A business term loan gives you a lump sum upfront and a fixed repayment schedule so you always know exactly what you owe. Borrow from $25,000 to $5,000,000. Qualify with a 680+ credit score.
Fixed monthly payments No hard credit pull 680+ credit score accepted
Loan range
Min. credit score
Funding speed
Loan term
Share your monthly revenue, time in business, and credit range. No hard pull. No paperwork upfront.
We compare your profile against our lender network and surface the best term loan options for your business.
Receive your funds in as little as 24 hours. Repay in fixed monthly installments over an agreed term 2 to 10 years.
Most established small bussinesses qualify. Here is what lenders look for:
Most established small businesses qualify. Here is what lenders look for
Check your eligibility in 2 minutes. No hard credit pull.
Check your eligibility in 2 minutes.
No hard credit pull.
1 year minimum (2+ years for best rates)
$40,000/month ($500K+ annually)
680+ FICO
Not required for loans under $150K
Not required under $150K
5 to 7 days
$25,000 – $5,000,000
1 to 5 years
A term loan gives you a fixed amount upfront that you repay on a set schedule. A line of credit is revolving you draw funds as needed and repay them repeatedly. A term loan is better for one-time investments; a line of credit is better for ongoing cash flow.
Equipment, renovations, hiring, inventory, expansion, marketing campaigns, or any business investment with a clear cost and expected return. Lenders do not restrict use of funds for most term loans.
No. Capital Loan Specialist uses a soft credit pull to check eligibility, the same type used when you check your own credit. No impact on your score.
Yes. Several lenders in our network approve term loans from 680 FICO. Your revenue history and time in business are weighted equally alongside your credit score.
Most decisions come within a few hours. Funding lands in your account within 24–72 hours of approval, faster for well-documented applications.
It depends on the lender. We surface this detail in every offer so you can compare before committing. Many alt lenders charge no prepayment penalty.
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Flexible revolving access to funds. Draw what you need, repay, and draw again. Best for ongoing cash flow management.
Government-backed loans with the lowest rates available. Best for businesses with strong credit and 2+ years in business.
Finance a specific piece of equipment using the equipment itself as collateral. Lower rates, longer terms.
Free · 2 minutes · Soft pull only · 625+ credit score accepted
