A fixed amount, a fixed schedule, a known cost. The cleanest way to fund equipment purchases, expansions, or acquisitions — without surprises down the road.
Term loans are the right tool when you have a defined project with a defined cost and a defined payback runway. Predictable in, predictable out.
Buy out a partner, fold in a competitor, or pick up a complementary business with capital that closes the deal cleanly.
Fund the buildout of a new site, a major renovation, or a second location with capital that matches the project's lifespan.
When financing the asset itself doesn't make sense, take a term loan and own the equipment from day one — no balloon, no surprise.
Roll short-term, high-rate balances into one fixed payment with a longer runway and lower monthly carry.
Most term loan files close in 3–7 days from approval. Here's exactly what happens between application and funding.
4-minute application, 6 months of bank statements, last year's tax return. No upfront fees.
We bring back firm rate, term, and payment — not estimates. Compare in plain English.
E-sign, funds wire to your business account. Most term loans close in 3–7 days from approval.
The four things every term loan underwriter looks at first. The stronger you are across all four, the stronger the terms we can offer.
We need to see at least one full year of operating history. Newer businesses should look at equipment financing or factoring.
Revenue is the strongest signal of repayment capacity. We work with businesses doing $15K/month and up.
Most term loan offers require a personal credit score of 600 or higher. Higher scores unlock better rates.
6 months of recent statements show cash flow stability. Tax returns help on larger requests.
The questions our term loan clients actually ask. If we missed one, call us — we don't gatekeep information.
Fixed rates on term loans typically run 8.99% – 24.99% APR depending on time in business, revenue, and credit. The strongest profiles get bank-tier pricing; thinner files pay more.
Most term loans up to $250K are unsecured aside from a personal guarantee. Larger loans may require a UCC filing on business assets — we'll tell you up front.
It depends on the loan structure. Some carry prepayment discounts; others have a fee in early months. We disclose prepayment terms in writing before you sign.
Our term loans are fixed-rate. Your payment is the same on day 1 and day 1,000 — no rate risk.
A term loan isn't always the right fit. Here's the rest of our product menu — pick what matches the shape of your need.
Draw what you need, when you need it. Pay interest only on what you use. Built for cash flow gaps and opportunity capital.
Government-backed financing with the longest terms and lowest rates available. We move fast on a process that's known for being slow.
Fund the machinery, vehicles, or technology you need. The equipment itself secures the loan — so qualifying is easier.
Turn unpaid invoices into working capital. Get up to 90% upfront on receivables, without taking on new debt.
No fees. No hard pull. No commitment. Direct underwriting, real terms, fast.
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