Business term loans
Borrow $20K to $2M and repay it over a set term on a clear schedule. Built for expansion, equipment, renovations and refinancing more expensive debt.
How it works
A term loan gives you the full amount up front. You repay it in regular instalments of principal and interest over an agreed term, so you know exactly what each payment will be and when the loan will be paid off.
Rates can be fixed, so payments never change, or variable, moving with the lender’s prime rate. The term is usually matched to what you’re financing: shorter for working capital, longer for equipment or property.
Larger loans are usually secured by business assets such as equipment or property, and many lenders ask owners for a personal guarantee. We explain every condition before you sign.
Common uses
A second location, more capacity or a bigger team when demand is there.
New or used machinery, trucks and technology that pay for themselves.
Leasehold improvements and upgrades to the space you work in.
Acquisitions and partner buyouts, structured around the cash flow of the business.
Consolidate higher-cost debt into one payment you can plan around.
Stock up for a big contract or a seasonal peak.
Is it right for you?
Term loans work best when you know the amount you need, the project has a clear payoff and your cash flow can carry a steady monthly payment.
If you need money on and off through the year, a line of credit is usually cheaper and more flexible. If customers are slow to pay, invoice factoring may solve the real problem.
How it works
One short form or a quick call. Your name, business and what you’re looking for. No documents to start.
Your file goes to the lending partners most likely to approve it on the terms you need.
We walk through each offer side by side: amount, term, payments and conditions. You choose.
Once you accept, we help you through closing so the funds reach your account quickly.
We arrange term loans from $20K to $2M. What you’re offered depends on your revenue, time in business, credit profile and what the funds are for.
Lenders set terms based on the purpose. Working capital is usually repaid over a shorter period, while equipment and property can support longer terms. We’ll show you options side by side.
A fixed rate keeps your payment the same for the term. A variable rate moves with the lender’s prime rate, so payments can go up or down. We’ll walk through both with your cash flow in mind.
It depends on the lender and the amount. Larger term loans are usually secured by business assets, and a personal guarantee from the owners is common.
Our initial review can typically be done with a soft credit check that does not affect your score. A lender may run a full check before final approval, and we’ll tell you before that happens.
Yes. Many clients use a loan to move now and a grant to lower the cost of recovery later. We make sure the same costs are never funded twice.
Other ways to finance
Business loans
One short form or a quick call. We’ll bring you offers from the lenders most likely to say yes.
Get in touch
Send us your details and a financing specialist will call you back with options from our lending partners, side by side. No obligation.
Takes about a minute. A specialist will call you back.
