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accredited business by bbb.org


$30,000 to $500,000

loan amounts

2-5 year terms

Fixed interest rate from 7.99% 

Monthly repayments

Capital for Business thrives on finding the best solutions for your businesses, both large and small. Our business term loans provide unmatched flexibility for business growth and management. We know every business is unique, which is why our underwriting process is designed to help you capitalize on the opportunities that make sense for your business.

What is a Term Loan?

A term loan is a lump sum of capital borrowed from a lender and paid off at fixed monthly intervals over a set period of time and in our case, that’s between 2 – 5 years. Business owners often use a term loan’s proceeds to purchase fixed assets, such as equipment or a new building for its production process. This type of loan can be a great way to get the funds you need to successfully build or maintain your business until you are eligible for an SBA loan.

When is a bank term loan the right financing for your business?

A Bank Term loan from lenders in the Capital for Business term loan network is a Between 2 – 5 years, fixed-rate loan with monthly payments. These loans are a great fit when you need funds quickly and want to lock in your interest rate. The same streamlined process we use for our alternative business loans is now used to process bank term loans in the Capital for Business marketplace.
Proceeds from a Bank term loan can be used in a variety of ways to meet your business goals. Funds can be used for working capital, debt refinances, new equipment purchases, and more.

Information to gather before applying

Cash Flow documents

  •  3 years of Business and 2 Personal Tax Returns
  •  Business Debt Schedule
  •  Interim Financials: 2 years Profit & Loss Statement, Balance Sheet
  •  6 most recent business bank statements

Barriers to fund

These are some items to watch out for that may lengthen the time to fund or render a business ineligible

  •  Declining revenue trends in borrowing business or affiliates
  •  Unfiled tax returns
  •  Criminal records
  •  Businesses or Guarantors that are mid-litigation
  •  Undisclosed debt / UCC liens




  • 2+ years in business
  • Business owners must be U.S citizens or legal permanent residents
  • Business owners must have personal credit scores above 640
  • Cash flow to support loan payments


  • Bankruptcies or foreclosures in the last 3 years
  • Outstanding tax liens

Frequently Asked Questions

Who Qualifies for a Bank Term Loan?

Most business owners that have been operating a business greater than 2 years have some type of term loan that can be offered. The longer time in business, the better the credit,640 and higher and financial statements, the more business term loan products can be offered.

What does a term loan mean?

Business Term loans usually offer better rates, cost structure, and terms than other business funding products. SBA loans offer larger amounts than many other business funding options do to their long repayment duration.

Which bank is best for a business loan?

There’s no real one size fits all answer to this question, as every bank will have different options to choose from when it comes to term loans.

Are Business and Bank Term Loans Difficult to Obtain?

The short answer is yes and no. Long-term and SBA loans are difficult to obtain because of the risks of the long-term duration of repayment of the loan option. Short-term business loans are much easier to get approved for with lower credit standards and document requirements, but the cost will be more and obviously be shorter in duration to risk.

What will a Bank Term Loan Cost You?

Bank term loans, SBA loans, and short-term loans have origination fees that range from 1% up to 3%. Application, Underwriting, or processing fees may also apply.

Can I qualify for Business Term Loan if I have bad credit?

The answer is Yes and No. You can get approved for short-term loans from our business loan marketplace of 100+ alternative lenders if you have credit problems. Bank term loans and SBA loans will not be an option if you have bad credit.

Can I get Business Term Loan if I am a startup business?

The short answer is no, most long-term loan products and short-term loan products with the exception of some Business Acquisition loans.


Get funding in as little as 24 hours

In just three easy steps, you can access the right financing solution for your business. Our fast application and 24-hour funding process give you the working capital needed to grow your business in no time!

complete the form for a business loan

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Complete a single small business loan application. It takes less than 5 minutes.

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The best small business financing options tailored to your business needs.

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They advocated so brilliantly for my account and are a huge reason for my renewed success with Capital For Business.

Jonathan N. Craig

a trusted partner when your business does not work properly.

Geoffrey E. Avila

If you have business problems you have to be part of your recovery plan.

Debra R. Daley

They helped me with a business loan and now we’re thriving 🙂 thank you!

Edson Romero

Quite a pleasureable experience!

Lisa B. McClean

I had a really great experience getting funding for my business through Capital for business . Would highly recommend it.

Aaron S. Devlin

this review wants to be of benefit to those who have trouble with their business and to trust their services.

Lillie Martinez

Your staff and business associates were professional and efficient. I was treated with respect and they took the time to understand my business needs.

Trammy R. Young

Jeff is absolutely the best. We are a small company and have been in business for less than 2 years. We reached out because we needed capital to give
us that extra boost to make more money. We received the application right away and as soon as I sent it back he worked on a funding solution for our company. We had the money in our account the same day we signed off on the loan. Thank you!!! will recommend.
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Smaat Money

I do truly recommend them. I enjoyed working with them, easy to talk too and they explain all the process for what you need.

Cory Z. Sciortino

It's such a professional company. I enjoyed the collaboration we had

Florence B. West

Great experience. Great customers services. Great over all.

Harold M. Joseph

I am really satisfied. Very helpful!

Maria Kincer

They were recommended by a co-worker. I am pleased by the services and taking his advice.

A Google User

I am really happy with Capital for Business services. Great ethics.

Angela Nagy

They give their best to give your perfect solution. Fast, easy and without a lot of papers involved.

Charles V. Fraizer

The thing that impressed me the most is that they try to find the best solution for you and they explain it to you step by step.

Benjamin G. Blast

perfect for small business. They are trustworthy.

Carol T. Moir

I thank them so much! Their customer service is impeccable.

Edwin C. Sims

I recommend them. They are the best!

George L. Dodson

I just started a new business and this company helped me sooooo much!

Roxanne J. Chambell

Their loan saved my business. Thank you so much!

Marlene A. Esposito

The greatest help for the small businesses community.

Michele R. Carrigan

The thing I appreciate most about this company is that it's moral and client oriented.

James H. Fauver

They were recommended by a close friend. Reliable company 100%

Bettie Nelson

I do recommend this company! It is worthy!

Werner D. Seely

Such great experience! I encourage everyone to come to Capital for Business!

Raymond S. McDermott

Capital for Business was a recommendation and now I recommend them too!

Marjorie Fitch

awesome place for small loans

Jamie M. Deming

They were recommended by a close friend. Reliable company 100%

Bettie Nelson

Very helpful, even helping me after hours with questions and help. I highly recommend them!

Mark G

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