Term Loan
What is a Term Loan?
A term loan is a straightforward financing option where you receive a lump sum of capital upfront and repay it over a fixed period with a set interest rate. Think of it like a traditional business loan, but faster, simpler, and designed specifically for growing businesses.
Unlike lines of credit or merchant cash advances, term loans give you predictable monthly payments, making it easy to budget and plan for the future. You know exactly what you owe and when it will be paid off.
Benefits of Our Term LoansWe’ve designed our term loans to give your business the flexibility and predictability it needs to thrive.
Predictable Payments
Fixed monthly payments make budgeting simple. No surprises, no variable rates, just clear, consistent payments you can plan around.
Lower Interest Rates
Our term loans offer competitive rates starting at 6.9% APR, often significantly lower than credit cards or merchant cash advances.
Flexible Terms
Choose repayment terms from 1 to 5 years. We work with you to find a schedule that fits your cash flow and business goals.
Higher Funding Amounts
Access up to $500,000 in capital. Whether need $25,000 or half a million, we have solutions that scale with your ambition.
Build Business Credit
On time payments are reported to major credit bureaus, helping you build stronger business credit for future financing needs.
Fast Approval
Get approved within 24 hours and receive funds in as little as 3 business days. No lengthy bank processes or endless paperwork.
How Businesses Use Our Loans
Term loans are versatile, use the capital for any legitimate business purpose.
Business Expansion
Open new locations, renovate existing spaces, or expand your operations to new markets.
Equipment Purchase
Buy new machinery, vehicles, or technology to increase productivity and efficiency.
Working Capital
Manage cash flow gaps, purchase inventory, or cover operational expenses during slow seasons.
How It WorksFrom application to funding in as little as 3 business days. Here’s your path to capital.
Complete our simple 5-minute application with basic business information.
Upload required documents securely through our encrypted portal.
Receive your approval decision within 24 hours with clear terms.
Accept your offer and get funds deposited directly to your account.
Use your capital to grow while making predictable monthly payments.
Who Can Apply?
Eligibility Requirements:
Documents Required
Keep these documents ready to speed up your approval:
When Should You Consider It?Equipment financing is ideal if you recognize your business in these scenarios:
Need equipment but want to avoid large upfront costs
Want to preserve cash flow for operations
Are planning to expand operations or capacity
Need to upgrade outdated machinery or technology
Frequently Asked Questions
