SBA Loans
Government-backed loans with the most favorable rates and longest terms — and a specialist to guide every form.
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For big moves
Long-Term Loans
Larger amounts spread over years, with gentler monthly payments for investments that pay off over time.
Amount range$25K – $5M
Typical term2–5 years
Funding speed2–5 days
What it is
A closer look at the Long-Term Loan
When you are making a move that will pay dividends for years — opening a second location, acquiring a competitor, gutting and rebuilding your space — a long-term loan matches the financing to the horizon of the investment. You borrow a larger amount and repay it over two to five years, keeping monthly payments low enough to protect your day-to-day cash flow.
Established businesses with steady revenue earn our most competitive rates here. The application is a little more involved than a short-term product, but the payoff is bigger capital and a comfortable, predictable repayment runway.
Funding range$25K – $5M
Best for
Is the Long-Term Loan right for you?
This product tends to be the strongest fit when one of these sounds like your situation.
- Expansion and new locations. Fund the build-out, lease, and ramp-up of a second or third site.
- Acquisitions. Buy a competitor, a book of business, or a complementary company.
- Major renovations. Reimagine your space without crippling your monthly cash flow.
- Refinancing costlier debt. Consolidate higher-cost balances into one lower, predictable payment.
How it works
From application to funding
01 Step 1
Apply and share financials
Submit the application plus bank statements and basic financials for your larger request.
02 Step 2
Underwriting review
Our team assesses your revenue and history, typically within a couple of business days.
03 Step 3
Receive structured terms
Get a clear amortization schedule with your rate, term, and monthly payment.
04 Step 4
Sign and fund
E-sign and funds are disbursed, usually within two to five business days.
Eligibility
What you need to qualify
Our requirements are refreshingly simple. Most businesses that meet these baselines are a strong candidate.
- 6+ months in business. A short operating history is enough to get started.
- $15,000+ in monthly revenue. Consistent revenue matters more than perfection.
- 500+ credit score. We look at the whole picture, not just one number.
Checking your options is free and uses a soft inquiry that does not affect your credit score.
Rates & terms
The details
| Detail | Long-Term Loan |
|---|---|
| Funding range | $25,000 to $5,000,000 |
| Term length | 2 to 5 years |
| Rates | Competitive fixed APRs for established, profitable businesses |
| Repayment | Predictable monthly payments with full amortization |
| Funding speed | Typically 2 to 5 business days |
Figures are illustrative and for demonstration only. Actual rates, fees, and terms depend on underwriting and your business profile. Not an offer of credit.
Why owners choose it
The benefits at a glance
Lower monthly payments
Spreading the balance over years keeps cash free for operations.
Bigger capital
Access up to $5M for the moves that genuinely change your business.
Competitive rates
Strong revenue and history unlock our most favorable pricing.
Predictable schedule
A fixed monthly payment you can build a multi-year plan around.
Industries that lean on it
Popular with these businesses
See how the Long-Term Loan fits the way your industry actually runs.
Questions
Long-Term Loan FAQ
Long-term loans range from $25,000 up to $5,000,000, with the amount you qualify for driven by your revenue, time in business, and credit profile.
Generally yes. Longer terms and more thorough underwriting typically translate into lower rates than fast short-term products.
Because the amounts are larger, underwriting is more thorough — usually a couple of business days, with funding inside of a week.
Absolutely. Consolidating higher-cost balances into one long-term loan is one of the most common and valuable uses.
Related funding
Other products to consider
Many owners blend two products for the perfect fit. Here are the ones most often paired with this one.
Ready for a long-term loan?
Apply in five minutes with no impact to your credit score, and talk to a real advisor today.