Long-Term Loans
Larger amounts spread over years for serious growth — the lowest monthly payment for your biggest moves.
What it is
A long-term loan is built for the moves that define a business: opening a second location, acquiring a competitor, funding a major hire, or investing in a multi-year growth plan. You borrow a substantial amount and repay it over one to five years, which keeps each monthly payment small relative to the capital you put to work.
Because the cost is spread across a longer horizon, long-term loans carry the lowest monthly payments of our financing products and competitive fixed rates. They also report to business credit bureaus, so consistent repayment builds the kind of credit history that unlocks even better terms down the road.
Best for
- Opening a new location or expanding an existing one
- Acquiring another business or buying out a partner
- Funding senior hires or a larger team
- Multi-year growth initiatives with a longer payback
- Refinancing higher-cost short-term debt into one lower payment
From application to funded
Apply & share financials
Submit your application along with bank statements and basic financials so we can size the right amount.
Underwrite & structure
We review your history and growth plan, then structure an amount, term, and rate that fit the project.
Approve & sign
Review transparent fixed terms and e-sign — most approvals land within a couple of business days.
Fund & grow
Capital is disbursed, typically within two to four business days of signing.
The details, in plain numbers
What you'll need to qualify
- Active U.S.-based business bank account
- Three months of recent bank statements
- Basic business and ownership details
Benefits of Long-Term Loans
Lowest monthly cost
A longer term spreads repayment out, minimizing the monthly impact on your cash flow.
Competitive fixed rates
Lock in a predictable rate for the life of the loan — no surprises if markets move.
Big-move capital
Amounts up to $1M fund expansions, acquisitions, and major investments.
Builds credit history
On-time payments report to bureaus and strengthen your long-term borrowing profile.
Predictable schedule
Fixed monthly payments make multi-year budgeting straightforward.
Consolidation option
Roll higher-cost short-term debt into a single, lower monthly payment.
Industries we fund with Long-Term Loans: popular fits include Manufacturing, Franchises, Hospitality. See all industries.
Common questions
Other products to consider
Ready to put Long-Term Loans to work?
Apply in about five minutes with no impact to your credit score to see what you qualify for. A funding advisor can have you funded fast.