A term loan is the simplest financing structure in business lending — and often the smartest. You get the full amount upfront, pay it back on a fixed schedule, and you know to the dollar what it will cost you. Built for projects with defined budgets.
Term loans trade flexibility for certainty. Unlike a line of credit, you get the full amount upfront and start paying it back immediately. But that simplicity is exactly the appeal: you know your monthly payment for the next 36 months, you know when it's paid off, and you can plan accordingly.
We offer term loans up to $3M with terms of one to five years. Most are fixed-rate, which means your payment doesn't move with the prime rate. And many of our term loans come with early pay discounts — pay off ahead of schedule and save meaningfully on total interest.
Same payment every month, every year. Easy to budget for, easy to plan around.
Pay off ahead of schedule and save on total interest. Rewarded for good cash flow.
Term loans up to $3M — meaningfully more than typical lines of credit.
1–5 days from application to money in your operating account.
Term loans skew toward businesses with established history and consistent revenue — they're a serious commitment for both sides.
Working capital. Cover payroll, inventory, and operating expenses while you grow into new demand.
Expansion. Open a new location, hire the team, invest in the equipment — fund the growth without draining reserves.
Major renovations. Build out a new location, expand a facility, or modernize aging infrastructure.
Debt consolidation. Roll high-interest short-term debt into a single, lower-rate payment.
No application fee. No impact on your credit. A real conversation about whether this is the right tool for what you're trying to do.