Term Business Loans
Secure predictable, fixed-rate financing for expansion, hiring, inventory, equipment purchases, and major business investments with flexible terms from 1 to 5 years.
Predictable Financing for Strategic Growth
Term business loans provide a lump sum of capital with fixed monthly payments over a predetermined period. This financing structure offers predictability and stability, making it ideal for businesses planning major investments or expansion initiatives.
Unlike revolving credit lines, term loans are repaid through scheduled installments that include both principal and interest. This structure helps businesses budget effectively while accessing the capital needed to achieve strategic objectives.
Fixed Monthly Payments
Consistent payment amounts make budgeting and cash flow management straightforward.
Flexible Use of Funds
Deploy capital across multiple business needs without restrictions on usage.
Build Business Credit
Timely repayment strengthens your business credit profile for future financing needs.
Why Choose Term Business Loans
Term loans offer structured financing with predictable payments, making them ideal for businesses seeking stability and long-term planning capabilities.
Competitive Rates
Access favorable interest rates through our nationwide lender network with transparent pricing and no hidden fees.
Flexible Terms
Choose repayment periods from 1 to 5 years that align with your business cash flow and growth projections.
Fast Approval
Receive funding decisions within 24-72 hours with streamlined documentation and efficient processing.
No Prepayment Penalties
Pay off your loan early without penalties if your business generates surplus cash flow or refinancing opportunities.
Dedicated Support
Work with experienced funding advisors who understand your industry and guide you through the entire process.
Simple Documentation
Minimal paperwork requirements with straightforward application process designed for busy business owners.
How Businesses Use Term Loans
Term business loans provide flexible capital for a wide range of strategic investments and operational needs across all industries.
Business Expansion
Open new locations, enter new markets, or scale operations with capital for leasehold improvements, inventory, and initial operating expenses.
Hiring & Payroll
Recruit key talent, expand your team, or cover payroll during seasonal fluctuations while maintaining operational stability and growth momentum.
Inventory Purchase
Stock up for peak seasons, take advantage of bulk discounts, or maintain optimal inventory levels to meet customer demand without cash flow strain.
Equipment & Machinery
Purchase essential equipment, upgrade technology systems, or replace aging machinery to improve efficiency and maintain competitive advantages.
Facility Improvements
Renovate existing spaces, upgrade facilities, or invest in leasehold improvements that enhance operations and create better customer experiences.
Acquisition Opportunities
Acquire competitors, purchase complementary businesses, or consolidate market position through strategic acquisitions that accelerate growth.
How to Get Your Term Loan
Our streamlined process makes it easy to access the capital your business needs with minimal hassle and maximum transparency.
Submit Application
Complete our streamlined online application with basic business information, financial details, and funding requirements.
Document Review
Our team reviews your application and may request supporting documents such as bank statements, tax returns, or financial statements.
Lender Matching
We connect you with multiple lenders from our nationwide network to find the best rates and terms for your specific situation.
Review Offers
Compare loan offers side-by-side with transparent pricing, terms, and conditions. Your advisor helps you understand each option.
Final Approval
Once you select your preferred offer, the lender completes final underwriting and issues formal loan approval documentation.
Funding & Closing
Sign closing documents electronically and receive funds directly deposited into your business bank account within 24-72 hours.
Do You Qualify for a Term Loan?
Our flexible qualification criteria help more businesses access the capital they need. While requirements vary by lender and loan amount, these are the general guidelines for term business loans.
Time in Business
6+ MonthsMinimum operating history required, though some programs accept newer businesses with strong revenue.
Annual Revenue
$100K+Minimum annual revenue demonstrates business viability and repayment capacity.
Credit Score
550+Flexible credit requirements with programs available for various credit profiles.
Documentation
Basic FinancialsBank statements, tax returns, and basic financial documents required for underwriting.
Don't Meet All Requirements?
We work with multiple lenders offering various programs. Even if you don't meet every requirement, we may still find financing options that work for your situation. Contact us to discuss your specific circumstances.
Frequently Asked Questions
Get answers to common questions about term business loans and our financing process.
Still Have Questions?
Our funding advisors are here to help you understand your options and find the right financing solution.
Ready to Fuel Your Business Growth?
Get access to flexible term financing with competitive rates and fast approval. Our funding advisors are ready to help you secure the capital your business needs.