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Business Term Loan
One lump sum, one fixed monthly payment, one end date on the page.
At a glance
A fixed monthly payment you can budget around
The full amount lands at once and repays on a fixed monthly schedule. Because the payment never moves, a term loan is the cleanest structure for anything you can plan — a build-out, a second location, consolidating costlier short-term debt.
Best suited to: Expansion, renovation, equipment purchases, and refinancing expensive obligations.
Fixed monthly payments- Loan amount$25,000 – $1,000,000
- Repayment12 – 60 months
- Payment scheduleFixed monthly
- Funding speedAs soon as 48 hours
- Cost structureFixed — total known at signing
- PrepaymentNo penalty
What you get
How this works in practice
- One fixed monthly payment for the life of the loan.
- Full amount disbursed in a single payment.
- Total cost of capital shown in writing before you sign.
- No penalty for repaying ahead of schedule.
- A clean payment history here strengthens your next application.
Simple step process
Application to funded, in three steps.
Apply in under ten minutes
A short form and a read-only look at your business bank activity, so we see real revenue rather than typed figures. No fee, no obligation.
Get a tailored offer
We review time trading, revenue and payment history — the whole business, not one number. Most applicants hear back the same day.
Funded in 24 to 48 hours
Choose your structure, sign electronically, and the money moves. Advances typically land within 24 hours.
What we look at
Four things. That’s the whole list.
We underwrite on how the business actually trades — revenue moving through the account, time in operation, and how you have handled what you already owe.
6 months in business
Your business has been trading and taking revenue for at least six months.
$15,000 monthly revenue
Around $15,000 a month or more, evidenced by recent bank statements.
Business bank account
An active business account in the legal name of the company.
U.S.-based operation
Registered and trading in the United States.
Questions
About term loan
A term loan is a loan: a fixed sum repaid monthly over a set period with a defined end date. An advance is a purchase of receivables remitted from daily sales with no fixed maturity. The loan is usually the lower-cost option; the advance is faster and more flexible.
An advance or revenue-based facility can fund within 24 to 48 hours of approval. Term loans and lines of credit typically fund within 48 hours. The application itself takes under ten minutes.
Yes. We look at your business as a whole — time trading, revenue moving through the account, and your payment history with existing obligations — rather than a single three-digit score. That said, every application is subject to review and we cannot approve every business that applies.
Other structures
Not quite the right fit?
Merchant Cash Advance
$10,000 – $2,000,000Advance amount
Capital against tomorrow’s sales, priced as one clear factor rate.
ExploreBusiness Line of Credit
$10,000 – $500,000Revolving limit
A limit that sits ready and refreshes every time you repay.
ExploreRevenue-Based Financing
$25,000 – $1,500,000Facility size
Repayment sized as a share of revenue, not a number on a calendar.
ExploreNext step
See what your business qualifies for.
Ten minutes to apply. No fee, no obligation, and a real answer the same day.