Business Term Loans
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Apply Online → Quick application with basic business info.
Get Matched → Review offers tailored to your business’s revenue, credit, and history.
Choose Your Loan → Select terms that balance payment size and timeline.
Fund Your Growth → Receive your lump sum to invest directly into your business.
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Enjoy stability and peace of mind with consistent monthly payments. This makes budgeting easier and helps you plan confidently for long-term projects or investments.
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Because of longer repayment terms and competitive interest rates, business term loans generally carry a lower overall cost compared to short-term financing options.
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Business term loans allow you to borrow larger sums than MCAs or other short-term funding, making them ideal for equipment purchases, expansions, or major growth initiatives.
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Consistently making your payments on time not only keeps your loan in good standing but also helps build and improve your business credit over time.
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Use your loan to seize opportunities, cover large expenses, or consolidate higher-cost debt. The flexibility allows you to invest in whatever your business needs most.
Borrow larger amounts than an MCA
Fixed monthly payments for easier budgeting
Competitive rates and flexible terms (1–10 years)
Build credit while investing in your business
When your business needs capital for bigger investments, a Business Term Loan provides a lump sum with fixed payments over time. Unlike short-term advances, term loans give you stability and predictability — making them ideal for growth projects and long-term planning.
Steady, Predictable Funding for Growth
Business Term Loan-FAQ’s
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Loan amounts vary, but typically range from $25,000 up to $500,000+ depending on your revenue, credit, and time in business.
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Most term loans offer repayment schedules between 1–10 years, giving you flexibility to spread costs over time.
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Rates vary by lender, but they are generally lower than short-term products like MCAs. Factors include your credit, financial history, and the size/length of the loan.
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Some term loans are unsecured, while larger amounts may require collateral or a personal guarantee.
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An MCA is faster and easier to qualify for, but comes with higher costs and shorter repayment. A term loan requires stronger credit and cash flow, but usually offers larger funding, lower rates, and fixed monthly payments.
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Some lenders allow early payoff without penalties, while others may charge a fee. Always check your agreement before committing.
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Most lenders do a soft credit pull during pre-qualification, which does not affect your credit. A hard credit pull may only happen once you move forward with a specific funding option.ion
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It depends on your goals, cash flow, and how fast you need capital. For example, MCAs are best for speed, term loans for long-term stability, and equipment financing for essential purchases. Our application process helps match you with the right solution.
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A factor rate (commonly used in MCAs) is expressed as a multiplier (like 1.3), not a percentage. For example, a $10,000 advance with a 1.3 factor rate means you’ll repay $13,000. A term loan uses an interest rate (like 12% APR), which accrues over time.
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Many repayment structures — especially MCAs — adjust based on your sales volume. If sales dip, your payments may be lower, giving you breathing room.
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Yes, some businesses combine products (like an MCA for short-term cash flow plus a term loan for long-term growth). It depends on your revenue and ability to handle repayments.
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It varies by product. MCAs can fund in 24–48 hours, equipment financing in a few days, and term loans often in 1–2 weeks depending on the loan size and documentation required.
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Some lenders allow you to pay off early without penalties, while others may charge fees. Always review your agreement before signing.
Still Have Questions?
Every business is different, and the right funding option depends on your revenue, cash flow, and goals. The best way to see exactly what’s available to you is to apply — it only takes a few minutes and you’ll get personalized offers.
— Apply online in minutes to view your specific funding terms.
— Want help making sense of your options? Schedule a quick call or drop us an email to get clarity from a real person.