Term Loans for Business Growth

Secure the capital you need for major business investments with our competitive term loans. Get up to $500,000 with fixed monthly payments and flexible terms.

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Business Term Loan

Term Loan Key Features

Our term loans provide predictable financing with competitive rates and flexible repayment options designed to fit your business needs.

$25,000 - $500,000

Access substantial funding amounts to support major business initiatives, expansion plans, or significant equipment purchases.

6 to 60 Month Terms

Choose from flexible repayment terms that align with your business cash flow and the nature of your investment.

Competitive Rates

Benefit from some of the most competitive interest rates in the industry, starting as low as 6.99% APR for qualified businesses.

Fixed Monthly Payments

Predictable monthly payments make budgeting easier and help you plan your cash flow with confidence.

Fast Approval

Get a decision within 24-48 hours and receive funding as quickly as 3 business days after approval.

No Prepayment Penalty

Pay off your loan early without penalty fees, giving you flexibility as your business grows and cash flow improves.

Perfect for These Business Needs

Term loans are ideal for substantial business investments that will generate returns over time.

Business Expansion

Open new locations, expand existing facilities, or enter new markets with the capital you need to grow strategically.

Equipment & Machinery

Purchase essential equipment, machinery, or technology that will improve efficiency and increase revenue potential.

Real Estate Purchase

Buy commercial property, office space, or other real estate investments to build equity and reduce long-term costs.

Hiring & Staffing

Invest in talent acquisition, training programs, or build your team to support significant growth initiatives.

Technology Upgrades

Modernize your technology infrastructure, implement new software systems, or upgrade your digital capabilities.

Debt Consolidation

Consolidate multiple business debts into one manageable payment with potentially lower overall interest rates.

Why Choose Our Term Loans

Experience the advantages of working with a modern lender that understands your business needs.

Key Benefits

  • Predictable Payments: Fixed monthly payments make budgeting simple
  • Build Credit: Regular payments help establish business credit history
  • Tax Advantages: Interest payments are typically tax-deductible
  • Retain Ownership: Keep 100% ownership of your business
  • Flexible Use: Use funds for any legitimate business purpose
Business Benefits

Qualification Requirements

We work with businesses across various industries and stages of growth. Here are our basic requirements.

Business Requirements

  • Minimum 1 year in business
  • $100,000+ annual revenue
  • Based in the United States
  • Business license and registration

Owner Requirements

  • Personal credit score 600+
  • 25%+ ownership stake
  • Personal guarantee required
  • No recent bankruptcies

Don't Meet All Requirements?

We work with businesses in various situations. Contact us to discuss alternative financing options that might be a better fit for your specific circumstances.

Speak with a Specialist

Simple Application Process

Getting your term loan is straightforward and fast. Here's how it works.

1

Apply Online

Complete our secure online application in just 10 minutes with basic business information.

2

Submit Documents

Upload required documents securely through our portal. Our team will guide you through any questions.

3

Get Approved

Receive a decision within 24-48 hours from our experienced underwriting team.

4

Receive Funds

Get your funds deposited directly into your business account within 3 business days.

Apply for Your Term Loan Today

Complete our application to get pre-qualified for a term loan. No impact on your credit score for the initial quote.

Secure application • No obligation • Dedicated loan specialist support

Term Loan FAQs

Get answers to common questions about our term loans.

What is a term loan?

A term loan is a traditional business loan where you receive a lump sum of money upfront and repay it with fixed monthly payments over a predetermined period. It's ideal for major business investments and provides predictable payment schedules.

How quickly can I get approved?

Most applications receive a decision within 24-48 hours. Once approved, funds are typically available within 3 business days. The exact timeline may vary based on the completeness of your application and verification requirements.

What can I use the funds for?

Term loan funds can be used for any legitimate business purpose including equipment purchases, expansion, inventory, working capital, real estate acquisition, debt consolidation, or other growth initiatives.

Are there prepayment penalties?

No, we do not charge prepayment penalties. You can pay off your term loan early without any additional fees, which can save you money on interest payments.

What documents do I need?

Typically, you'll need bank statements (3-6 months), tax returns (1-2 years), profit & loss statements, balance sheets, and business registration documents. Our team will provide a complete list based on your specific situation.