Term Financing

Long-Term Loans

Substantial capital for transformative moves — expansion, acquisition, or major investment — structured over 2 to 5 years.

Amount Range$25K – $5M

Typical Term2 – 5 years

Funding SpeedFunding within days

What It Is

An overview of long-term loans

A long-term loan provides significant capital repaid over a multi-year horizon, lowering your monthly payment and freeing cash flow for the work ahead. It is built for ambitious, lasting moves — opening a location, acquiring a competitor, or investing in capacity that will pay back over years, not months.

Because the commitment is larger and longer, underwriting is more thorough and rates are among our most competitive. For established businesses with strong fundamentals, it is the most cost-effective way to fund growth.

Best For

When this is the right fit

Funding expansion into new locations or markets
Financing a business acquisition or partner buyout
Making a major capital investment with a multi-year return
Consolidating higher-cost debt into one lower, predictable payment

How It Works

From application to funded

Apply with your growth plan

Tell us the amount and purpose. Larger requests may include recent financials and tax returns.

Underwrite thoroughly

We review your business performance in depth to structure the most competitive offer possible.

Structure your terms

Choose a term from 2 to 5 years that balances monthly payment against total cost.

Fund and execute

Sign electronically and receive your capital, typically within a few business days.

Rates & Terms

The numbers, clearly stated

Long-term loans carry our most competitive rates because the longer horizon and deeper underwriting reduce risk. Strong businesses are rewarded with the best pricing.

Loan Amounts$25,000 – $5,000,000

Repayment Terms2 – 5 years

Rate StructureFrom 7.5% APR · fixed

Payment FrequencyMonthly

Origination Fee1 – 3% (disclosed upfront)

PrepaymentFlexible, advisor-reviewed

Eligibility

What you'll need to qualify

Our baseline criteria

Most clients qualify with these guidelines — though they're flexible, not hard cutoffs. Strong performance in one area can offset a shortfall in another.

At least 6 months in business under current ownership
$15,000+ in average monthly revenue
A personal credit score of 500 or above
A business bank account and the last 3–6 months of statements

Why Choose It

The advantages at a glance

Lower monthly payments

Spreading repayment over years keeps each installment manageable and cash flow healthy.

Largest amounts

Access up to $5,000,000 for the moves that genuinely reshape your business.

Competitive rates

Deeper underwriting and a longer term earn established businesses our best pricing.

Long-horizon planning

Fixed monthly payments make multi-year budgeting clean and predictable.

Questions

Frequently asked

Long-term loans range from $25,000 up to $5,000,000. Your approved amount depends on revenue, time in business, profitability, and the purpose of the funds. Your advisor will outline exactly what you qualify for.

Because the amounts are larger, expect to provide an application, business bank statements, and often recent business tax returns and financial statements. Our platform makes secure upload quick.

Long-term loans involve more thorough underwriting, so funding typically takes a few business days rather than hours — well worth it for the lower rate and longer term.

Absolutely. Many clients use a long-term loan to roll higher-cost balances into a single, lower, predictable monthly payment. Your advisor can model the savings.

Related Funding

Let's match you with the right capital.

Tell us your goal and an advisor will confirm whether long-term loans is your ideal structure — usually within the hour.

Apply Now Speak With an Advisor