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Business Term Loan

One lump sum, one fixed monthly payment, one clear end date.

15 yrsFunding U.S. small business since 2011

8Financing structures under one roof

24 hrsFastest time to funded

Own capitalDirect on our core products

At a glance

A single sum with a schedule you can plan around

A term loan puts the full amount in your account at once and repays on a fixed monthly schedule. It suits the projects you can see coming: a build-out, an acquisition, a second location.

Best suited to: Expansion, renovation, acquisitions, and consolidating shorter obligations.

Monthly payments

Loan amount$25,000 – $5,000,000
Repayment12 – 60 months
Payment scheduleMonthly
Funding speedAs soon as 48 hours
Cost structureFixed — total known at signing
PrepaymentNo penalty

Apply for Term Loan Talk to a desk

Workshop owner standing among rolls of fabric in his studio

What you get

How this works in practice

The full amount lands in one disbursement.
One fixed monthly payment for the life of the loan.
Total cost of capital shown in writing before signing.
No penalty for paying ahead of schedule.
Frequently used to consolidate costlier short-term obligations.

How it works

Three steps. One desk.

See the full process

Send us the file

A short application and a read-only look at your business bank activity. Ten minutes, no fee, no obligation.

We decide

Our own underwriters review it. On core products the capital is ours, so the answer comes from us — not a panel you never meet.

Sign and get funded

Terms in writing, total cost on the page. Sign electronically and funds move — in as little as 24 hours.

What we look at

Four things. None of them a mystery.

We underwrite on how the business actually trades — time in operation and real revenue moving through the account.

1 year in business

Your business has been trading and generating revenue for at least twelve months.

$180,000 annual revenue

Gross annual revenue of $180,000 or more, evidenced by recent bank statements.

Business bank account

An active business account in the legal name of the company.

U.S.-based operation

Registered and trading in the United States.

Questions

About term loan

A term loan is a loan: a fixed sum repaid monthly over a set period with a defined end date. An advance is a purchase of receivables remitted weekly with no fixed maturity. The loan is usually cheaper; the advance is usually faster and more flexible.

A merchant cash advance, working capital loan or equipment approval can fund in as little as 24 hours. Term loans and lines of credit typically run 48 hours. Commercial real estate runs 30 to 60 days and SBA 30 to 90 — those two involve more documentation and, in the SBA case, a participating lender.

Every product we offer repays monthly except the merchant cash advance, which remits weekly. That is deliberate: weekly remittance is what lets an advance track your sales rather than land as a single monthly charge.

Other structures