Term loans.
One lump sum, fixed payments, predictable timeline. For acquisitions, expansions, equipment, or any move that has a clear price tag and a clear return.
Use a term loan when the math is already done.
- Acquiring a competitor, supplier, or complementary business with hard numbers behind it.
- Opening a second location, expanding production, or investing in a build-out with a defined cost.
- Buying equipment or real estate where the asset itself partially secures the deal.
How the deal looks on paper.
What you need before you apply.
- Two or more years operating the business under current ownership.
- $500,000 or more in annual revenue, documented in tax filings.
- A personal credit score of 650 or higher for primary owners.
- A clear answer to what the capital is funding and how the business pays it back.
Same product. Different math.
Most lenders price a term loan off your last twelve months and stop. We don't. Pricing reflects what the capital is funding — a $2M acquisition with hard collateral and a defensible thesis prices very differently from a $500K equipment buy in a margin-thin sector.
We structure terms to fit. If a 7-year amortization makes the math work and a 5-year doesn't, we'll do the 7-year. If a six-month interest-only ramp gives you room to integrate the new asset, you can have it. We don't have a one-size-fits-all sheet because one size fits no one.
What we won't do: refinance debt you can't afford, fund a deal we don't believe in, or quote a rate before reviewing your file.
Run the numbers with us.
Fifteen minutes to apply. Forty-eight hours to a real answer. No cost to find out.