Bank statements
3 to 6 months of business bank statements
Business Capital Advisors
Business loans
Term capital for growth, expansion, and working capital.
Fixed-term funding for a clear purpose, repaid on a predictable schedule. We place term loans through our lender partners, and arrange SBA 7(a), 504, and Express through SBA-approved lenders where the timeline fits.
Is this the right solution?
Which business loan structure fits your funding need?
Working capital
Keep daily operations moving with a fixed structure for the cash your business needs.
- Term-loan amounts from $25,000
- Predictable monthly payments
- Use funds for a defined business purpose
Popular for: Inventory · Payroll · Marketing · Rent and utilities
Estimate a business loan payment
Checking options won't affect your credit score.
*Illustrative fixed-payment estimate using a 12.0% modeled APR. Actual approval, rate, fees, collateral, payment frequency, and term depend on the applicant and funding partner.
Explore common loan uses
Common uses for a business term loan
Product definition
What is a business term loan?
A business term loan provides a fixed amount of capital that a business repays on an agreed schedule. It is best suited to a defined use, such as expansion, inventory, hiring, or refinancing, when the payment fits projected cash flow.
Primary source: SBA 7(a) loan program.
How business loans work
How the business loan process works
- 01→
Request
Tell us about your business and the funding need.
- 02→
Review
We review your file and understand the purpose.
- 03→
Options
Compare term-loan structures from the lender panel.
- 04→
Approval
Choose written terms that fit the business.
- 05
Funding
Complete closing and put the capital to work.
What you'll need
Documents needed for a business loan review
Business financials
Most recent business tax return (banks and SBA: 2 years, plus financials)
Identity and banking
Driver's license and voided check
We keep your information secure and private.
Common questions
Business term loans, answered straight.
Actual terms depend on the purpose, business history, owner profile, and funding partner. Start with the questions owners ask first.
What credit score do I need for a business term loan?
Bank term loans usually want owner credit of 650+ and SBA lenders look for similar or better. Online term lenders go lower, often into the low 600s, in exchange for higher pricing. Stronger revenue and clean bank statements can offset a middling score.
How much can I borrow with a term loan?
Our lender panel places term loans from roughly $25K-$5M. SBA 7(a) tops out at $5M, and the sweet spot for most files is $100K-$500K, sized against the revenue that will carry the payment.
How long does term loan approval take?
Online term lenders can issue offers in days. Banks typically run 2-8 weeks, and SBA 7(a) runs 30-90 days end to end because of the government guarantee process. We tell you which track your file fits before you commit.
Do term loans require collateral?
It depends on the lender and size. Online term loans are often unsecured with a personal guarantee. Banks may want a blanket lien, and SBA lenders must take available collateral on loans above $50K, though a collateral shortfall alone should not sink an otherwise strong SBA file.
Ready to fund the next business move?
Clear options. Predictable payments. Built around your business.
Get my funding optionsPrefer to talk? Call (307) 667-1250