Long-Term Capital
for Your
Biggest Moves
Last updated: July 2026
A business term loan is a lump sum of capital repaid over a fixed period with a predictable monthly schedule, designed for significant investments that drive long-term growth.
Term Loan at a Glance
Built for Strategic Growth
Our term loans provide the capital depth and structured repayment that established businesses need to execute their biggest plans, without disrupting day-to-day operations.
Predictable, Fixed Monthly Payments
Unlike daily or weekly repayment schedules, term loans are repaid monthly, making it simple to plan your cash flow and budget around a consistent, known payment.
Longer Terms for Larger Investments
With terms up to 12 years, you can finance significant capital projects at a payment level that doesn't strain your operating budget. Match the repayment horizon to the life of the investment.
Full Underwriting by a Seasoned Advisor
Every term loan file is reviewed by a dedicated Capital Advisor, not an algorithm. We evaluate your business history, industry context, and growth trajectory to structure the best possible offer.
Transparent Terms, No Surprises
Your offer will clearly outline the rate, term, monthly payment, and any fees before you accept. What you see is what you get: no buried conditions, no fine-print surprises at closing.
Getting Funded Is Simple
Apply Online in Minutes
Submit your application and connect with a dedicated Capital Advisor. Share your business goals and the investment you're planning, they'll guide you through what's needed.
Get a Decision
After reviewing your documentation, your advisor structures a term loan offer around your business. You'll see the full terms (rate, monthly payment, and term length) before committing.
Receive Your Funds
Receive a lump-sum deposit within 3 business days of accepting your offer. Use the capital for your planned investment, on your timeline.
How to Use a Term Loan
Term loans are best suited for significant, planned investments with a clear long-term return.
Fund Expansion Projects
Open new locations, renovate existing facilities, or scale operations with the substantial capital a term loan provides, without depleting your working capital reserves.
Stabilize Cash Flow
Smooth out seasonal dips and slow periods by securing a term loan that covers payroll, overhead, and operating costs while you focus on long-term growth.
Acquire Inventory in Bulk
Purchase inventory at volume to lower per-unit costs, meet peak demand, and ensure reliable supply, financed over a term that aligns with your revenue cycle.
Term Loan vs. Other Options
| Term Loan | Small Business Loan | Equipment Financing | Line of Credit | |
|---|---|---|---|---|
| Up To | $500k | $1.5M | $2M | $150k |
| Term | Up to 12 years | 4–24 months | 6–24 months | Revolving |
| Repayment | Fixed monthly | Daily or weekly | Fixed monthly | Draw & repay |
| Funding Speed | 3 business days | 24 hours | 24 hours | 24 hours |
| Time in Business | 2+ years | 6+ months | 6+ months | 6+ months |
| Best For | Long-term strategic investment | Working capital & growth | Equipment purchases | Ongoing cash flow needs |
Not sure which product fits? Talk to a Capital Advisor →
Common Questions
Big Plans Deserve
Long-Term Capital.
Apply today. A Capital Advisor will review your business and structure an offer built around your growth plan, not a generic template.