Fixed payments, fixed term — capital you can plan around

A term loan built for
predictable monthly payments.

Borrow a lump sum, repay it over a fixed term on a fixed schedule. Often used to refinance an existing MCA or fund a specific growth project.

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Loan amount
$25K–$350K
Based on revenue & cash flow
Term
10 years
Fixed monthly payments
Min FICO
640+
All owners with 20%+ stake
Program details

A fixed amount, a fixed schedule

Borrow a lump sum and repay it on a predictable monthly schedule — often used to fund growth or refinance an existing advance.

Loan amount$25,000 – $350,000, sized to your revenue and current debt load
Eligible usesWorking capital, debt refinance (including paying off an existing MCA)
RateTypically 15%–20%, plus an origination fee
Term10 years
CollateralUCC filing on business assets; personal guarantee from owners with 20%+ ownership
Exact qualifying revenue thresholds and pricing are confirmed during underwriting and can vary by lender.
Who qualifies

Profitable businesses with a track record

640+ FICO
Required for all beneficial owners holding 20% or more of the business.
1+ year in business
Operating in the US, for-profit.
Positive cash flow
Your most recent tax return or trailing bank statements should show positive operating cash flow.
Majority US ownership
51%+ of the business must be owned by US citizens or permanent residents, with no recent felony convictions or active litigation.
What you'll need

Documents that support the underwriting

See if a term loan fits your business
Apply through your portal and we'll size a loan amount and payment schedule based on your actual numbers.
Apply now