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Business Term Loan

One lump sum, one fixed schedule, one clear finish line.

U.S.-based advisorsOne person, start to finish

Funding in 24 hoursOn most approved applications

Transparent termsTotal cost shown before you sign

12+ years in businessFunding U.S. small businesses since 2014

At a glance

One sum, one schedule, one finish line

A single disbursement with a fixed repayment schedule, sized for the projects you can plan: a build-out, a second location, a large purchase.

Best suited to: Expansion, renovation, refinancing costlier obligations, and one-time investments.

Amount$5,000 – $500,000
RepaymentUp to 36 months
Funding speedAs soon as the same business day
Payment scheduleMonthly
Cost structureFixed — the total is known up front
RenewalAvailable once you reach 50% repaid

Apply for Term Loan Talk to an advisor

Leather craftsman cutting a pattern on a workbench in his studio

What you get

How this option works in practice

The full amount lands in your account in one disbursement.
One fixed monthly payment — it never moves on you.
You see the total cost of capital before you sign anything.
Eligible for renewal once roughly half the balance is repaid.
Useful for consolidating shorter, costlier obligations into one payment.

How it works

Three steps, one advisor, no runaround

See the full process

Tell us about your business

A short application — business details, what the funds are for, and a connection to your business bank account so we can see real revenue. Most owners finish in under ten minutes.

Talk to a real advisor

A U.S.-based advisor reviews your file and calls you. They walk you through which of the five options fit, what each one actually costs, and which they’d pick in your position.

Sign and get funded

Choose your option and sign electronically. On most approved applications funds are on the way the same business day.

What we look at

Four things, and none of them are a mystery

We look at how your business actually performs — time in operation and real revenue in the bank — not at a number on a report.

12 years in business

Your business has been operating and generating revenue for at least twelve years.

$100,000 annual revenue

Gross annual revenue of $100,000 or more, evidenced by your recent bank statements.

Business checking account

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

U.S.-based operation

Your business is registered and operating in the United States.

Questions

About term loan

Yes. Contact your advisor for an early payoff figure — many businesses reduce their total cost this way.

Most businesses become eligible for renewal once they have repaid about half of the outstanding balance and remain in good standing.

For a line of credit, term loan, merchant cash advance or equipment financing, most approved applications are funded within 24 hours, and many the same business day. SBA loans are the exception — those run 30 to 90 days because of the documentation and review the programs require.

Nothing. There is no application fee and no obligation to accept anything you are offered. You will see the complete cost of capital before you sign a funding agreement.

Four things: at least twelve years in business, $100,000 or more in gross annual revenue, an active business checking account in your company’s name, and a U.S.-based operation. Your advisor will tell you exactly which products fit.

Other options