Long-Term Loans
Larger amounts over a longer horizon — with lower monthly payments that leave room to grow.
Room to invest, room to breathe.
A long-term loan provides substantial capital repaid over one to five years. Spreading repayment across a longer horizon keeps monthly payments low, so a major investment doesn't strain day-to-day cash flow.
It's the right tool for projects that pay off over time — opening a location, acquiring a competitor, or financing a multi-year growth plan. Competitive fixed rates mean your payment never changes, making it easy to budget around.
When you're building for the long run.
Best for substantial, growth-oriented investments with returns that unfold over time.
- Opening or expanding to a new location
- Acquiring another business or competitor
- Funding a multi-year growth initiative
- Large-scale renovations or build-outs
- Consolidating higher-cost debt
- Major capital projects with long payback
A clear path to larger capital.
Apply & share financials
Submit your application with bank statements and basic financials. Soft pull to start.
Underwrite & structure
Our team structures an offer around your project and cash flow, typically within a few days.
Sign & receive funds
E-sign and receive your capital, usually within two to five business days of approval.
Transparent pricing, no surprises.
Your exact rate depends on time in business, revenue, and credit profile. Here's the typical range.
| Detail | Range |
|---|---|
| Loan amount | $25,000 – $5,000,000 |
| APR | 9% – 24% |
| Term | 1 – 5 years |
| Repayment | Monthly, fixed |
| Origination fee | 1% – 4% |
| Prepayment penalty | None on most terms |
Figures are illustrative for this demonstration site. Actual rates, fees, and terms are set during underwriting.
What you'll need to qualify.
Larger, longer financing involves a closer look at your financials. Approved applicants generally meet these baselines:
- 6+ months in businessTime operating shows us a track record to underwrite against.
- $15,000+ monthly revenueHigher loan amounts typically call for revenue well above this minimum to support the term.
- 500+ credit scoreStronger credit profiles unlock the lowest rates and the longest available terms.
Benefits of long-Term Loans.
Lower monthly payments
A longer term spreads repayment out, protecting day-to-day cash flow during big projects.
Fixed, competitive rates
Your payment never changes, so multi-year budgeting stays simple and predictable.
Substantial capital
Access up to $5M to fund expansion, acquisitions, and major investments.
Built for growth
Match repayment to the timeline over which your investment pays off.
No prepayment penalty
On most terms you can pay ahead and save without fees.
Build long-term credit
Consistent payments on a larger facility strengthen your business credit.
Long-Term Loans FAQ.
Long-term loans offer larger amounts over a longer period (1–5 years) with lower monthly payments, ideal for big investments. Short-term loans are smaller and faster, suited to urgent, time-bound needs.
Because we look more closely at financials, underwriting usually takes a few days, with funding typically within two to five business days of approval.
Yes. Long-term loans carry a fixed rate, so your monthly payment stays the same for the life of the loan.
Absolutely. Many businesses use a long-term loan to consolidate higher-cost balances into a single, lower, predictable payment.
Other ways to access capital.
Popular with these businesses.
This product is a frequent fit for these sectors — explore funding tailored to yours.
Build something lasting.
Apply in five minutes and see real offers — with no impact to your credit score.