Opening a new location
Fund the lease, build-out, and opening inventory for your next site in one move.
Long-Term Loans
Larger capital over a longer horizon, with lower payments for the big moves.
Amount$25,000 – $1,000,000
Typical term1 – 5 years
Funding speedApproval in 24–48 hrs
What it is
How long-term loans works for you
A long-term loan provides substantial capital — up to $1,000,000 — repaid over one to five years at a competitive fixed rate. Stretching repayment over a longer term keeps monthly payments low, freeing up cash flow to actually run and grow the business while you invest.
This is the product for deliberate, high-value moves: opening a second location, acquiring a competitor, consolidating costlier debt, or funding a multi-year growth plan. You get the scale of a bank loan with a faster, far simpler approval.
Best for
When it's the right fit
Acquisitions
Buy a competitor, a book of business, or a complementary company.
Debt consolidation
Roll higher-cost balances into one lower fixed payment and simplify your cash flow.
Major expansion
Back a multi-year growth plan with capital that matches its timeline.
How it works
From application to funded
1
Submit your application
Share your funding goal plus bank statements and basic financials.
2
Underwriting review
We assess your cash flow and growth plan and return offers in 24–48 hours.
3
Choose your terms
Select the amount, term, and payment that fit your plan and sign electronically.
4
Fund and grow
Capital is disbursed so you can execute on schedule.
Rates & terms
The numbers, in plain sight
Every offer is quoted with the full cost up front — no hidden fees, no confusing fine print. Your exact rate and term depend on your business profile and our underwriting.
Eligibility
What you'll need to qualify
Most businesses that meet our three baseline criteria can qualify. Stronger profiles unlock larger amounts and better pricing.
Soft check to start
Seeing your options never affects your credit score — we only run a hard pull once you choose to move forward on a specific offer.
Why businesses choose it
The benefits
Lower monthly payments
A longer term spreads the cost out, protecting day-to-day cash flow.
Larger amounts
Access up to $1,000,000 for moves a short-term product cannot cover.
Fixed-rate certainty
Lock in your rate and payment for the life of the loan.
Built for growth
Match your financing timeline to the return on your investment.
Popular with
Industries that rely on this
Good to know
Frequently asked questions
Larger amounts and a longer term mean lower monthly payments — ideal for major investments rather than quick gaps.
Your fixed rate depends on time in business, revenue, and credit. Stronger profiles earn our lowest rates.
Yes. Consolidating higher-cost balances into one lower fixed payment is one of the most common uses.
Most long-term loan offers are returned within 24–48 hours of a complete application.
Related funding
Other products to consider
SBA Loans
The lowest rates and longest terms available — with a specialist doing the paperwork.
Explore SBA LoansEquipment Financing
Fund the trucks, machines, and tools your business runs on — and keep your cash.
Explore Equipment FinancingBusiness Line of Credit
Reusable, draw-when-you-need-it capital you only pay for when you use it.
Explore Line of CreditReady to put this capital to work?
Start your application in minutes. Checking your options is free and never affects your credit score.