Long-Term Loans
Larger amounts and longer runways for the moves that build lasting value—lower monthly payments stretched over years so growth never strains day-to-day cash.
What it is
A long-term loan provides a substantial lump sum repaid over one to five years. Spreading repayment over a longer horizon keeps each monthly payment low, so a major investment doesn't choke your everyday cash flow.
Because the amounts are larger and the commitment longer, underwriting looks a little deeper—but with competitive fixed rates and the chance to build business credit as you repay, it's the workhorse for serious growth.
Best for
- Major expansions—a new location, a second facility, or a big hiring push.
- Acquisitions or buying out a partner.
- Refinancing higher-cost debt into one lower, manageable payment.
- Long-horizon projects where low monthly payments matter more than speed.
How it works
1. Apply & share details
Complete the application and connect financials. Larger requests may include a few extra documents.
2. Underwrite & structure
We review cash flow and history to structure an amount, rate, and term that fit the project.
3. Review your offer
See your fixed rate, monthly payment, and full schedule—usually within 2–5 business days.
4. Sign & fund
E-sign and receive your capital, then make steady monthly payments and build business credit.
Rates & terms
- Lower monthly payments stretched over a longer term.
- Competitive fixed rates locked for the life of the loan.
- Builds business credit with every on-time payment.
Eligibility & requirements
Most businesses that meet our three core thresholds can qualify:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- A US-based business bank account
Why businesses choose it
Fund up to $5M
Capital sized for serious expansion and acquisitions.
Low monthly payments
A longer term keeps each payment light on cash flow.
Predictable fixed rates
Lock your rate and budget with confidence for years.
Build your credit
On-time payments strengthen your business credit profile.
Frequently asked questions
Long-term loans range from $25,000 up to $5,000,000. Your approved amount depends on revenue, time in business, and the strength of your cash flow.
Because amounts are larger, underwriting is a bit more thorough—typically 2–5 business days from a complete application to funding.
Yes. Consolidating higher-cost balances into one long-term loan with a single lower payment is one of the most common uses.
Yes. Long-term loans carry a competitive fixed rate, so your monthly payment stays the same for the life of the loan.
Related funding
Not sure this is the perfect fit? These products solve similar needs in different ways.
Make your biggest move with confidence.
Fund expansion, acquisition, or a refinance with low monthly payments and a competitive fixed rate—talk to an advisor or apply today.