Lump sum, fixed schedule

Business Term Loans

A straightforward lump sum repaid over a set term — flexible for almost any purpose.

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A business term loan gives you a fixed amount up front with predictable payments. It's the versatile workhorse when you want capital fast for growth, equipment, or working capital without the SBA timeline.

Best for

  • Businesses with steady revenue
  • One-time growth or working-capital needs
  • Owners who want predictable payments

Common uses

  • Working capital
  • Expansion
  • Equipment
  • Refinancing higher-cost debt

What you'll need

  • Operating business with revenue
  • Repayment ability
  • Owner credit reviewed

At a glance

Loan amount
Typically up to $750,000
Speed
Often funded in days
Structure
Fixed term, fixed payments

Business Term Loans: which structure?

A few ways this is commonly structured. Your advisor helps you pick the right one.

Repaid over 3–18 months. Faster to fund and qualify for, at a higher cost of capital.

Best for: Bridging a near-term gap or a quick opportunity.

Estimate your business term loans

Move the sliders to explore. These are illustrative figures, not an offer.

Estimated monthly payment

$4,896

Amount
$100,000
Total interest
$17,511
Total of payments
$117,511
See my real options →

Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms.

Business Term Loans questions

How fast can a term loan fund?

Often within a few business days once your documents are in — much faster than SBA, though usually at a higher cost.

How is this different from an SBA loan?

Term loans trade SBA's lower rates and longer terms for speed and simpler qualification. Your advisor compares both for you.

Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.

Other financing options

See what you qualify for today.

One application, every option compared. No fee, no obligation, no credit impact.