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Funding program

Term Loan

Predictable, fixed-schedule funding for long-term business growth.

Funding amount
$10k to $1M
Term
Up to 24 months
Starting rate
6%
Time frame
1–2 days

Get my free quote (844) 312-1444

Term Loan

Is it right for you?

Pick a term loan when you know the number and the date — a project with a price tag and a payment you want fixed from day one.

Check my options

Often used for

  • Opening a second location
  • A large order or contract
  • Hiring ahead of growth
  • Refinancing costlier debt

The basics

What a term loan actually is

A term loan is a one-time lump sum of capital provided upfront and repaid over a set period. The terms are established on day one, which is the point of it: you know the whole cost before you commit, and you can plan around a payment that does not move.

It is the right shape for something substantial and dateable — a second location, a large order, the hire you have been postponing — rather than for a gap that closes by itself.

Fixed, predictable payments.
Plan your budget with confidence — no surprises.
Competitive rates.
Shaped around your business and what the money is for.
No restrictions on use.
Growth, payroll, equipment, inventory — your call.

Step by step

How a term loan works

  1. Tell us the amount and what it's forOne short application. The purpose helps match you with lenders who write term loans of that size.
  2. Compare fixed-payment offersEach offer shows the amount, term, rate and payment, so the full cost is clear before you sign.
  3. Receive one lump sumUsually within 1–2 days of signing, with a payment that stays the same until the last one.

Start my application

A pre-approval being shaped into terms that fit.

Qualifying

What lenders look at

No single number decides it. Lenders weigh the whole picture of the business.

  • Monthly revenueShows the business can comfortably carry a fixed payment.
  • Time in businessA longer track record tends to bring longer terms and lower rates.
  • CreditOne factor among several. Revenue counts too.
  • Recent bank statementsThe last three months, for most files.

Good to know

The upside

  • You know the full cost on day one
  • A payment that never changes
  • Use it for anything that serves the business

Worth weighing

  • Interest runs on the whole amount from the start
  • Terms run up to 24 months, so it suits near-term plans

Every offer shows its full cost and terms before you decide, and a specialist goes through them with you.

Why apply with us

One application, 50+ lenders competing for it.

  • A real person reads your fileA U.S.-based specialist reviews every application. No bots, no runaround.
  • 50+ lenders, one applicationYour file goes to the whole network at once, so the offers compete for you.
  • Prices up frontEvery offer comes with its full cost and term before you decide. No surprise fees.
  • American small business onlyFrom one-person shops to multi-location companies — it is all this team does.
A U.S.-based specialist, reading a file rather than scoring it.

Questions

Term Loan, answered

Still deciding? Call (844) 312-1444 and a specialist will talk it through.

Can I pay a term loan off early?

It depends on the lender. Some allow it and reduce the cost if you do, some do not. Your specialist points out which offers allow it before you choose.

Is the payment fixed?

Yes. Term loan offers come with a fixed schedule, so the payment does not change over the term.

What can I use it for?

Anything that serves the business: expansion, equipment, inventory, hiring or refinancing costlier debt.

Will applying hurt my credit score?

No. Checking your options uses a soft pull, which does not affect your score. A hard pull only happens if you choose to go ahead with a specific offer, and only with your permission.

Get a free quote

Get a free quote.

One application, real offers, and no obligation to take any of them. Starting does not affect your credit.

Rather talk to somebody first? (844) 312-1444.

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