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Term Loan

Business term loans are conventional loans that give an initial lump sum of money that must be paid back over a certain length of time, or term, plus interest. The interest rate may be variable or fixed, and the term may be one to five years or longer. These loans are frequently utilized for certain investments such as capital expenditures, business expansion, or the acquisition of equipment. Business term loans are a popular option for many different kinds of organizations due to its regular repayment schedule and possibly cheaper interest rates.

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What is Term Loan

A term loan is a type of loan that is repaid in regular installments over a specified period, known as the term. It is typically used by businesses or individuals to finance significant expenses, such as purchasing equipment, expanding operations, or funding other major investments. Here are some key characteristics of term loans:

What Documents Are Needed To Apply?

  • Drivers License

  • Voided Business Check

  • Bank Statements 

  • Balance Sheet

  • Profit and Loss Statements

  • Business Tax Return

  • Personal Tax Return

  • Business Plan

  • Business Debt Schedule

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Get loan options from multiple lenders

Talk to a business loans specialist at:  (916) 719-8433

Apply for a term loan in as little as 10 minutes.

1. Complete your application

In order to match you with the lender that offers the best rates and conditions for your needs, provide a few details about your business and personal loan preferences.

2. Speak to our underwriter

Meet your personal underwriter here to make sure we have all the paperwork and data required to provide you with the best alternatives for your company as quickly as possible.

3. Review your loan options

Examine the various loan alternatives accessible to your company and select the one that best suits your needs right now.

4. Receive funds

In less than 24hrs, when you determine what works best, we’ll deposit the funds into your account.
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Benefits of accounts receivable financing

  • Predictable Payments: Businesses can arrange for regular monthly payments with fixed or variable interest rates and set payback timelines.
  • Lower Interest Rates: Business term loans are a cost-effective solution because they frequently have lower interest rates than other borrowing choices.
  • Lump Sum Funding: Gives a sizable initial cash inflow, making it perfect for bigger expenditures like buying equipment or growing a business.
  • Building Credit: Paying back a term loan on schedule and consistently can help companies build and strengthen their credit history.
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