Term Loans

Capital with a fixed repayment schedule.

Lump-sum funding from $5,000 to $500,000 with fixed monthly payments and terms from 12 to 60 months. Predictable, in writing, and signed digitally before the first dollar moves.

Apply Now
A mahogany desk catching daylight from a tall office window — the editorial moment of a term loan written and signed.
The ledger keeps the schedule. Photograph: Unsplash

Why a Term Loan

Predictable financing, plainly written.

  • Fixed monthly payments

    Same amount, same date, every month. Built for budgeting.

  • Fixed interest rate

    Lock the rate at signing. No fluctuation through the term.

  • Any business purpose

    Expansion, equipment, inventory, or debt consolidation.

  • Build credit history

    On-time payments establish your business credit profile.

  • No prepayment penalty

    Pay off early at any time without an extra fee.

  • Simple application

    Most applicants finish in 5–10 minutes online.

Who It Fits

Built for businesses with a plan.

For investing in the business

  • Established revenue history of one year or more.
  • Major purchases, expansion, or facility upgrades.
  • Equipment or machinery acquisitions.
  • Annual revenue of $100,000 or more.

For tightening the books

  • Consolidating high-interest debt into one fixed payment.
  • Owners who want a predictable repayment schedule.
  • Entrepreneurs with personal credit in the 650+ range.
  • Businesses planning a one-time, defined investment.

Rates & Terms

Disclosed before you sign.

Term Loan — Starting Ranges

  • Loan amount $5,000 – $500,000
  • Term 12 – 60 months
  • Rate range 12% – 49% APR
  • Origination fee 0% – 5%
  • Prepayment penalty None
  • Repayment Fixed monthly

Rates and amounts are starting ranges; final terms depend on credit profile.

See full rate details

Ready when you are.

Apply online in minutes and review your terms in writing before signing.

Apply Now See How This Compares