03 — Term
Long-Term Loans
Patient capital structured across multiple years, with lower monthly payments that protect cash flow while you build something bigger.
What it is.
A long-term loan spreads a substantial sum across two to five years, trading a longer payoff for materially lower monthly payments. That structure keeps cash free for operations while you fund a project meant to pay off over time.
It is built for consequential moves: opening a second location, acquiring a competitor, financing a major build-out, or consolidating several higher-cost debts into one manageable payment. Because the commitment is larger, underwriting is a touch more thorough — but the rates are among the most competitive we offer.
Best for.
Choose a long-term loan for substantial, growth-oriented investments where lower monthly payments matter more than the quickest possible payoff.
- Opening a second location or expanding your footprint
- Acquiring a competitor, partner buyout, or franchise unit
- Major renovations and build-outs with long payback periods
- Consolidating multiple higher-cost debts into one lower payment
How it works.
Apply with detail
Submit your application, bank statements, and a brief on how the capital will be deployed.
Underwrite the plan
Our team reviews financials and the growth case, then structures a term and rate that fit.
Review & sign
Compare the monthly payment and total cost in plain language, then e-sign your agreement.
Fund & build
Capital is disbursed within a few business days so you can execute on the plan.
Rates & terms.
- Loan amount
- $25,000 – $1,000,000
- Term length
- 2 – 5 years
- Rates from
- ~9% APR
- Repayment
- Monthly
- Collateral
- May be required above $500K
- Prepayment
- No penalty on most loans
Rates and limits are illustrative and depend on underwriting, time in business, revenue, and credit profile. This is not an offer or commitment to lend.
Eligibility.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- A demonstrated growth case or clear use of funds
Why businesses choose it.
Lower monthly payments
Spreading the balance over years frees up working capital for day-to-day operations.
Competitive rates
Long-term loans carry some of the lowest non-SBA rates we offer to established businesses.
Debt consolidation
Roll multiple high-cost obligations into a single, predictable monthly payment.
Fuel for big moves
Enough capital to open, acquire, or build — not just patch a short-term gap.
No prepayment penalty
Pay down faster as the investment matures, with no penalty on most loans.
Structured with you
An advisor tailors term and timing to the cash flow your project will generate.
Long-Term Loans FAQ.
Related funding.
Capital for the long game
Fund your next big move.
Apply once and get a structured, multi-year offer built around your growth plan.