A lump sum of capital repaid over a fixed term at a fixed rate — ideal for major investments and growth initiatives.
Our Small Business Term Loan provides a one-time lump sum of capital that you repay over a predetermined period at a fixed interest rate. Whether you're expanding your operations, purchasing new equipment, hiring staff, or financing a major contract, this product gives you the predictable, structured repayment you need for financial planning. Unlike lines of credit that revolve, a term loan gives you the full amount upfront and structures your repayment calendar from day one. This predictability makes it ideal for business owners who need certainty in their monthly obligations.
The process begins with an application where we review your business financials, time in operation, and revenue history. Once approved, funds are typically deposited within 24–48 hours. You then make fixed monthly payments of principal plus interest over the loan term, which can range from 12 to 60 months depending on the amount and your profile. There are no surprises — your payment schedule is set from the moment you sign.
Amounts range from $25,000 to $2,000,000 depending on your business financials and needs. Our team will determine the right size for your specific situation.
Terms typically range from 12 to 60 months. Shorter terms mean higher monthly payments but less total interest paid. We'll help you find the balance that works for your cash flow.
We encourage early repayment. Our term loans do not penalize you for paying off early — in fact, paying early can strengthen your relationship and improve your future borrowing terms.
Once approved — typically within 24 hours — funds can be in your account within 24–48 business hours. Complete documentation speeds up the process significantly.
You can use the funds for any legitimate business purpose including expansion, equipment purchase, hiring, marketing, inventory, or refinancing existing debt.
Apply online in minutes and get a decision within 24 hours.
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