SERVICES
Small Business Term Loans
A predictable lump sum with a fixed monthly payment. The classic loan, structured for businesses that want to plan their cash flow with certainty.
Up to $500K · Fixed payments
$25K–$500K
Amount
From 8.99%
Rate
1–10 years
Term
3–10 days
Speed
Often unsecured
Collateral
OVERVIEW
What it is. How it works. Who it's for.
Term loans give you a fixed amount of capital, a fixed rate, and a fixed payment. Boring is a feature here — it's the easiest loan to forecast against.
Best fit for
- One-time investments with a clear ROI
- Refinancing higher-cost debt (MCAs, high-rate cards)
- Hiring sprints, marketing pushes, location buildouts
HOW IT WORKS
Four steps from inquiry to wire.
- 01
Audit
Free 15-minute fit call.
- 02
Application
Single application, soft pull, multi-lender shop.
- 03
Approval
Term sheet in 24–72 hours.
- 04
Fund
Wire in 3–10 days.
ELIGIBILITY
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- 12+ months in business
- $10K+ monthly revenue
- FICO 620+
QUESTIONS
The ones we get most.
Most lenders allow it. Some have a small prepayment fee in year one. We tell you upfront which lenders don't.
RELATED PRODUCTS
See all servicesOften paired with Small Business Loans
0% Credit Stacking
$50K–$250K+·1–3 weeks
- Owners launching a new venture or marketing push
- Operators paying for inventory, ads, or contractors
Learn more
Long-Term Loans
$100K–$5M·2–6 weeks
- Real estate purchases
- Business acquisitions
Learn more
Business Line of Credit
$25K–$750K·1–7 days
- Smoothing out seasonal or project-based cash flow
- Buying inventory ahead of a busy quarter
Learn more
READY
Apply for Small Business Loans
Free 15-minute audit. Soft credit pull only. Pay only after funded.
Start My ApplicationSoft credit pull · No score impact · 15-min commitment