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Predictable Financing

Fixed Term Loans

The traditional standard of business funding, upgraded for speed. Secure a lump sum of working capital upfront to execute major growth initiatives, and repay it over a set period with stress-free, fixed payments.

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Program Details

  • Funding Amount $25,000 to $1,000,000+
  • Term Lengths 1 to 5 Years
  • Repayment Options Daily, Weekly, or Monthly

Execute Your Big Picture Vision

If you have a clear, high-ROI plan for your business—like opening a second location, buying out a competitor, or launching a massive marketing campaign—you need a substantial injection of cash to make it happen. You can't fund a $150,000 expansion piecemeal out of monthly cash flow without strangling your daily operations.

A term loan provides that necessary lump sum on day one. It is exactly what most people envision when they think of a "business loan": you receive the capital upfront and agree to pay back the principal plus interest over a predetermined period (the "term").

The Speed Advantage Over Traditional Banks

You might be wondering why you shouldn't just go to your local bank branch. The reality is that traditional bank loans involve mountains of paperwork, stringent collateral requirements, and underwriting processes that can drag on for months—often resulting in a "no" anyway.

Our technology-driven underwriting process allows us to evaluate the real-time health of your business. We can approve and fund substantial term loans in a matter of days, not months. This allows you to seize fast-moving market opportunities before your competitors do.

Key Benefits

  • Lock in fixed, predictable payments
  • Access higher borrowing limits for major projects
  • Preserve daily working capital
  • Faster approval than traditional bank loans
Common Uses:

Major investments structured over time to yield returns, such as: expanding physical retail or warehouse locations, acquiring another local business, executing large-scale hiring initiatives, or launching comprehensive marketing campaigns.

Minimum Qualifications

Time in Business: 1+ Years
Min. Revenue: $25k / Month
FICO Score: 600+
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No impact to your personal credit to pre-qualify.

Frequently Asked Questions

Everything you need to know about our fixed term business loans.

With our term loans, the rates and your payments are completely fixed for the duration of the term. You will know exactly what your daily, weekly, or monthly payment is going to be from day one until the loan is fully paid off, making it very easy to budget.

Yes. We offer many term loan options that include early payoff discounts or have no prepayment penalties whatsoever. If your project yields returns faster than expected, you can retire the debt early and save on the remaining interest.

While monthly options exist for highly qualified businesses seeking longer terms (2-5 years), shorter term loans (1-2 years) often utilize daily or weekly micro-payments. This automated process aligns with the natural cash flow of the business, preventing large, difficult-to-manage monthly lump sum withdrawals and actually reducing the risk of default.
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See Your Term Loan Options

Fill out our simple form and a funding advisor will reach out to discuss your personalized funding limits.