Predictable payments. Fixed rates. Capital you can plan around.
Funding Amount
$50K – $10M
Term Length
6 – 60 months
Funding Speed
24 – 72 Hours
Min. Credit
550+ FICO
A small business term loan gives you a lump sum of capital upfront that you repay in fixed weekly or monthly installments over a set period. Unlike revenue-based financing, you know exactly what you owe every period — making budgeting simple. Term loans are ideal for businesses with strong financials looking for larger amounts at more competitive rates.
🏗️
Build or Renovate
Finance leasehold improvements, construction, or facility upgrades.
👥
Hire & Scale
Fund hiring, onboarding, and training as your team grows.
🚛
Vehicle Purchase
Buy a commercial vehicle or fleet addition outright.
💻
Technology Upgrades
Invest in software, systems, or infrastructure upgrades.
📈
Debt Consolidation
Roll multiple high-cost advances into one lower, fixed payment.
🏪
New Location
Fund the full buildout and launch of a second location.
Basic requirements — most businesses qualify in minutes.
📅
Time in Business
1+ Year
💰
Monthly Revenue
$15K+
📊
Credit Score
550+ FICO
🏦
Bank Statements
4–6 Months
No credit impact · Takes 2 minutes
Term loans have fixed periodic payments regardless of revenue — great for predictability. Revenue-based financing adjusts with your cash flow. Term loans typically have lower effective costs for businesses with stronger credit.
Many of our term loan programs allow early payoff with no penalty, or offer a discount on remaining balance. We'll clarify the prepayment terms before you sign.
Rates are based on time in business, monthly revenue, credit score, industry, and current positions. Stronger profiles qualify for lower rates and longer terms.
Most term loan decisions are made within 4–24 hours. Once approved and docs are signed, funding typically arrives within 1–3 business days.
Most programs up to $250K are unsecured. Larger amounts may require a general lien on business assets (UCC filing), but no personal real estate is required.