A term loan gives you a lump sum upfront with a clear repayment schedule — no surprises, no revolving complexity. Ideal for specific investments with defined ROI timelines.
See My Term Loan Options →
Business term loans come in many forms — short-term (6–24 months), medium-term (2–5 years), and long-term (5–10 years). The right structure depends on what you're funding and what your cash flow can support.
We analyze your credit, revenue, and use of funds to identify which loan structure and which lenders give you the best combination of amount, rate, and repayment terms. We don't just point you at a marketplace — we build the case for your approval.
Renovating a location, launching a new product line, acquiring equipment — a term loan with fixed payments lets you match the repayment to the expected return timeline.
Unlike a BLOC or credit card, a term loan has a fixed payment each month. If you prefer knowing exactly what you owe and when you'll be debt-free, a term loan provides that clarity.
Need $150K–$500K? Credit cards typically max out below that. Term loans can reach significantly higher amounts for qualified borrowers with strong revenue and credit.
We guide you through every document and decision.
We assess your credit, revenue, and what you're funding. The use of funds significantly impacts which lenders are best suited to your application and what terms they'll offer.
We identify the 2–3 lenders most likely to approve you at the best terms, help you prepare your documentation, and guide you through the application process step by step.
When offers come in, we help you evaluate the terms — rate, repayment frequency, fees, prepayment options — so you accept the deal that actually makes financial sense.
Receive the full loan amount upfront — ideal for large, one-time investments where you need the money now.
Know exactly what you owe every month. Fixed payments make cash flow planning straightforward and predictable.
Responsible term loan repayment is reported to business credit bureaus — strengthening your profile for future, larger loans.
Term loans can reach $500K+ for qualified borrowers — exceeding what most credit card stacks or BLOCs can offer alone.
Estimate your payments based on amount, rate, and term.
Baseline requirements across our lender network.
These are minimums across our lender network. Many of our clients exceed these thresholds and qualify for better rates and terms.
Strongest profiles: 2+ years in business, $240K+ annual revenue, and 600+ credit score. But we fund businesses outside these ranges every day.
Let us review your profile and identify the lenders most likely to approve you at the best available rate.