Secure the capital your business needs with predictable payments, flexible terms, and financing designed to support long-term growth.
Available Loan Amounts
Available Repayment Terms
Predictable Repayment Schedule
Working Capital & Growth
A business term loan provides a lump sum of capital that is repaid through scheduled payments over a defined period. With predictable repayment terms and flexible funding options, term loans can help businesses invest in expansion, purchase equipment, refinance existing debt, manage working capital, and pursue new growth opportunities.
Financing designed for immediate business needs, including working capital, inventory, repairs, seasonal expenses, and short-term growth opportunities.
Structured financing for larger investments such as expansion, equipment purchases, renovations, refinancing, and other long-term business goals.
Business must generate a minimum of $17,000 per month in gross sales.
An Equifax credit score of only 575 is required.
The business must be open and operating under the same ownership for at least one month.
A valid form of identification is typically required for each applicable business owner.
Recent business bank statements may be reviewed to verify revenue, cash flow, and account activity.
Tax returns, profit and loss statements, balance sheets, or debt schedules may be requested depending on the loan.
A business term loan may be a strong option when you need a defined amount of capital for a specific goal and prefer a predictable repayment schedule. Term loans can be used for expansion, equipment purchases, renovations, refinancing, inventory, working capital, and other major business investments. Because funds are typically provided upfront and repaid over an agreed period, this type of financing is often best suited for businesses with a clear use of funds, consistent cash flow, and the ability to manage scheduled payments.
Check EligibilityA business term loan provides a lump sum of capital that is repaid over a fixed period through scheduled payments. Businesses commonly use term loans for expansion, equipment, inventory, renovations, refinancing eligible business debt, and other long-term business needs.
Term loan funds may be used for working capital, equipment purchases, business expansion, inventory, renovations, hiring, refinancing eligible business debt, and other approved business expenses. Permitted uses depend on the lender and financing program.
Available loan amounts depend on factors such as business revenue, cash flow, credit profile, time in business, existing debt obligations, and the intended use of funds. Qualified businesses may be eligible for financing ranging from smaller working-capital loans to larger funding solutions.
Repayment terms vary by lender and financing program. Depending on the loan structure, payments may be scheduled daily, weekly, or monthly over a predetermined period. The full payment schedule and financing terms should be disclosed before acceptance.
Collateral requirements vary by lender, financing amount, and business profile. Some term loans may require business assets or a personal guarantee, while other options may be available without specific collateral for qualified borrowers.
Funding timelines vary depending on the lender, loan amount, documentation provided, and complexity of the request. Some financing options may fund within several business days after approval, while larger or more detailed requests may take longer.
Documentation requirements vary, but lenders may request recent business bank statements, business tax returns, financial statements, identification, formation documents, ownership information, and details regarding existing business debt.
Credit requirements differ between lenders and financing programs. A stronger credit profile may improve access to additional options or more competitive terms, but lenders may also consider revenue, cash flow, industry, time in business, existing obligations, and overall financial strength.
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