Financing
Term Loans
A fixed amount of capital, repaid in equal installments over a set term. The most predictable money in business finance: you know the payment, the payoff date, and the total cost on day one.
Key terms
The facts, up front.
- Approval range
- $25,000 – $10,000,000
- Term
- 12 – 120 months
- APR
- From 7.49% (credit-based)
- Funding speed
- 2–10 business days · jumbo up to 6 weeks
- Credit pull
- Soft until you accept an offer
- Typical fit
- 650+ FICO · 6+ months in business
The true cost
Estimate your payment
Move the inputs to see the real numbers. We show total repaid and the effective rate — nothing hidden.
Estimated monthly payment
$10,017
Total repaid
$600,996
Total interest
$100,996
APR
7.49%
Illustrative — not an offer. Rates as of September 2, 2026.
A strong fit when
- A defined, one-time investment with a clear return
- Owners who want one predictable payment they can plan around
- Refinancing more expensive short-term debt into something sane
Probably not when
- Recurring or unpredictable cash-flow gaps — use a line of credit
- Amounts you might not fully need — you pay interest on all of it
How the process actually works
Offers come back with the payment and the total cost side by side, so you can trade term length against total interest before you accept.
Matching runs on a soft pull; a hard pull happens only when you accept a specific offer.
Questions
Term Loans, answered.
Learn more
Guides on term loans.
How to Qualify for a Small Business Loan: A Complete Guide
Approval starts with knowing exactly what lenders weigh. Here's every qualification factor — from credit to cash flow — and how to lead with your strongest application.
3 min read
Revenue-Based Financing vs. Term Loan: Which Is Right for You?
Both are powerful — and built for very different needs. A clear-eyed comparison of cost, speed, and fit so you pick the structure that actually serves your goal.
3 min read
The Business Loan Requirements Checklist
The documents and data points lenders ask for, in one organized list — so you apply once, fully prepared.
2 min read
- APR shown is the lowest available and depends on credit, time in business, and revenue. Your offer may differ.
- Not all applicants qualify. Term loans are arranged through our lending-partner network.
Term Loans
See if this is your best option.
One application, and the matching algorithm surfaces every partner built for your profile — so you can see whether this product is truly your best fit.