Business Term Loan

One lump sum up front, the same bill every month

Plain borrowing, nothing exotic. We put a set sum in your account, you return it over a fixed run of months, and the bill never catches you off guard. It earns its place on the big, deliberate moves — a second location, a partner buyout, rolling a stack of pricey short-term balances into one you can actually read. The steadiness cuts both ways: easy to budget against, and unmoved by a month that underperforms.

Apply now Ask a question

$25,000 – $500,000Loan amount
12 – 60 monthsTerm
Most files clear underwriting within a business day or two, and the money arrives shortly after you signFunding speed

An owner pacing the floor of a newly leased second unit

The numbers

Every figure for this product, lined up in one place

Loan amount: $25,000 – $500,000
Pricing: A fixed interest rate, laid out alongside the complete repayment schedule
Repayment: A level monthly debit by ACH
Term: 12 to 60 months
Decision: Typically a business day or two
Funding: Soon after both sides have signed

A bright, colourful retail floor set up and ready for customers

The use

Where an advance earns its keep

An owner with a real track record making a deliberate, sizeable investment that earns back over a span of years. Start an application

The bill is the same size every time, so planning around it stops being guesswork.

A longer run buys a lighter monthly figure and a heavier lifetime cost; we show you both at once.

Clear the balance early and the interest simply stops the day it reaches zero.

We lean on profitability and years in operation here more than we would on a short advance.

Above roughly a quarter-million, expect to add a recent profit-and-loss statement to the bank records.

The fit

Whether this product is worth your next ten minutes

Time in business: 6 months or moreClocked from when the business began trading for real, not from the date the entity was registered.
Monthly revenue: $15,000 or moreWhat actually lands in the business account each month. Four even months read better here than one standout.
Business bank account: RequiredLive, in use, and under the trading name itself — a personal account will not stand in for it.
Location: United StatesThe business has to be formed and trading in the US. We put money to work across all fifty states.

Clear all of these and the file gets a proper read. That is not the same as an offer — plenty of businesses are turned down here, and we would sooner say so within the hour than string it out for a fortnight.

The detail

Sharper questions about how an advance behaves

What separates this from a cash advance?

A term loan advances principal and charges interest on whatever is still owed; the bill is a set monthly amount that arrives on its date however the month went. A cash advance buys a portion of your coming sales at a discount and takes a cut of what lands. Across the full run the loan is the cheaper one; the advance is the one that bends with the register.

Do you take collateral?

At this size we rarely tie the loan to a single named asset, though we do place a general lien over business assets and ask the main owner to guarantee it personally. When the point of the money is one specific machine or vehicle, our equipment product is almost always the tidier fit.

If a cash advance is not a loan, what is it?

It is a sale, plain and simple, and the line is a legal one rather than marketing. A named dollar sum of sales you have yet to collect moves to us, we pay a discounted price now, and we get that sum back out of your settlements as they arrive. Since nothing was lent, there is no rate, no APR and no maturity date — those belong to debt. Anyone selling you an advance as a loan has either misread the product or is betting that you will.

How does the factor-rate math work?

Once. You multiply a single time and stop. Seventy-five thousand at 1.30 means we are buying $97,500 of your coming sales, and the $22,500 between the two numbers is everything the money costs — full stop, with nothing added down the line. Time never touches that gap. Clear it in six months or eleven and it is still $22,500, the mirror image of how interest treats a running balance. You can work the sum on a napkin before signing, and the napkin will be right.

A month of soft sales — now what?

What leaves your account drops the same week your sales do, with nobody lifting a finger. We take a share, not a flat figure, so a month at half pace returns roughly half, and the calendar simply lengthens to cover the rest. Nothing gets missed, because no payment was ever scheduled to miss. That is why seasonal owners reach for an advance before anything else. An outright collapse in revenue, as opposed to a dip, is a separate talk, and one to have with us early.

The alternatives

When an advance is plainly the wrong tool

If your case suits a term loan, a credit line, equipment paper or an SBA file, the price usually lands well under an advance. Those sit on our menu too, so nudging you toward the dearer one would only cost us the next deal.

Merchant Cash Advance

We purchase a slice of your upcoming sales at a discount today. A receivables sale, not a loan, and priced on a factor rate.

Amount advanced: $10,000 – $500,000
Payments: A small, fixed share of your card takings or bank deposits, remitted daily

Explore Cash Advance

SBA Loan

Federally guaranteed, the keenest price on this page, and genuinely slow. Those three travel together.

Loan amount: $50,000 – $2,000,000
Payments: A single monthly bill, spread over a long run of years

Explore SBA

Equipment Financing

The asset itself stands behind the deal, and the price rewards you for it.

Equipment value: $20,000 – $1,000,000
Payments: A single monthly bill across the whole term

Explore Equipment

Business Line of Credit

Lock in the limit once, then leave it untouched until the business calls on it.

Available limit: $10,000 – $250,000
Payments: Monthly payments figured on the drawn balance alone

Explore Line of Credit

Let the statements make the case

A few months of PDFs is plenty for a proper price. Turn the offer down after reading it and nothing is owed.

Apply now Email us