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$25,000 – $500,000

Term Loan

One fixed number every month, for a capital deployment you can put a figure against.

Amount: $25,000 – $500,000
Rates from: 6.99% APR
Term: 6 – 60 months
Decision: 24 – 48 hours

A shop with one fixed number a month against it.

Term Loan

What term loan actually is

A term loan is drawn once and repaid on a fixed monthly schedule set at signing. One predictable number a month is the whole point of it: budgeting becomes arithmetic instead of forecasting.

There are no prepayment penalties, so clearing it early saves you the interest rather than costing you a fee. Funds are typically wired within three business days of approval.

The general minimum

Below these, none of the six will approve.

Below this, none of the six programmes will approve, and it is better to know that now than after filling anything in. Individual programmes ask for more, and each says so on its own page.

6+ monthsin business

$10,000+monthly revenue

25%+ownership stake

550+credit score

What it gives you

Why an owner takes this one

Fixed monthly payments
6 to 60-month terms
No prepayment penalties, ever
Rates disclosed up front

The application

Pre-qualify in minutes

A soft credit check, no impact on your score, and no obligation. A funding specialist reads every application.

Six programmes, and what each one asks of you

This one, and what the others ask

Term Loan

One fixed number every month, for a capital deployment you can put a figure against.

Amount: $25,000 – $500,000
Rates from: 6.99% APR

Line of Credit

Capital on demand rather than in a lump, with same-day transfers to your bank.

Amount: $10,000 – $250,000
Rates from: 8.99% APR

Working Capital Loan

For payroll, inventory and the gap between delivering work and being paid for it.

Amount: $10,000 – $300,000
Rates from: 7.99% APR

Equipment Financing

The lowest rates and the longest terms here, because the equipment secures it.

Amount: $15,000 – $1,000,000
Rates from: 5.99% APR

Merchant Cash Advance

A lump sum against card sales, collected as a share of them.

Amount: $5,000 – $250,000
Term: 6 – 18 months

Short-Term Loan

For when you cannot wait a week for a yes. Decisions in hours.

Amount: $5,000 – $100,000
Term: 3 – 18 months