Long-Term Business Loans
Stretching repayment over 5–25 years means lower monthly payments and more cash flow available for growth. Best for investments with long useful lives.
Up to $5M · 25-year amortization
Amount
Rate
Term
Speed
Structure
What it is. How it works. Who it's for.
Long-term financing is built for major investments — real estate, large equipment, business acquisitions — where stretching the term lowers your monthly burden enough to make the deal cash-flow positive from month one.
Best fit for
- Real estate purchases
- Business acquisitions
- Major equipment with 10+ year useful life
Four steps from inquiry to wire.
- 01
Pre-Qual
We assess loan-to-cash-flow and structure.
- 02
Package
Tax returns, financials, projections.
- 03
Underwrite
Bank or non-bank lender review.
- 04
Close
30–45 days for most deals.
What we look for.
Most files that fit these markers move quickly. If yours doesn't yet, we'll show you how to get there.
Get Pre-Qualified- 2+ years in business
- FICO 660+
- Documented cash flow to service the debt
The ones we get most.
Often paired with Long-Term Loans
SBA Loans
- Acquiring an existing business or competitor
- Buying owner-occupied commercial real estate (504)
Small Business Loans
- One-time investments with a clear ROI
- Refinancing higher-cost debt (MCAs, high-rate cards)
Commercial Real Estate Loans
- Buying your business's first owned location
- Refinancing maturing CRE debt
Apply for Long-Term Loans
Free 15-minute audit. Soft credit pull only. Pay only after funded.
Start My ApplicationSoft credit pull · No score impact · 15-min commitment