A fixed amount over a fixed schedule, for something specific — a build-out, an acquisition, a real expansion. The most boring product here, and usually the right one when you know exactly what the money is for.
A term loan is predictable and cheaper per dollar than most options. The catch is that you take the whole amount at once and pay interest on all of it — so it fits a defined, one-time use, not an ongoing need.
These are the ranges we see across our funding partners. Your actual offer depends on your credit profile, time in business, and use of funds — and is set by the partner, not by us.
| Term | Typical range |
|---|---|
| Amount | $25,000 to $500,000 |
| Term | 1 to 5 years |
| Payments | Fixed monthly, occasionally weekly |
| Collateral | May be secured or unsecured depending on size |
| Personal guarantee | Standard |
| Prepayment | Often allowed; confirm on your offer |
Ranges are illustrative and are not an offer of credit. Rates, fees, and terms are determined solely by the funding partner and disclosed to you before you sign.
You take the whole amount at once and pay interest on all of it. A line lets you draw only what you need. Term loans are cheaper per dollar; lines are more flexible.
For most term loan partners, yes. That is part of why the rate is lower.
Three to ten business days for a complete file. Missing tax returns is the usual reason it stretches.
No. We refer your file to third-party funding partners who make their own credit decisions.
Revolving capital when the need is ongoing rather than a single, defined purchase.
See More →When the purchase is an asset that can secure the loan itself — often cheaper than a term loan.
See More →Two minutes, no hard credit pull, and a straight answer about whether a term loan is open to you right now.
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