Small Business Term Loans

Designed for experienced business owners with financial security, a long-term business loan provides larger-scale growth capital at lower interest rates and longer repayment terms.

TERM BUSINESS LOANS

Many small businesses are looking for a loan option that provides them with access to funds quickly, but from a trusted bank lender. A bank term loan from lenders in the AlphsFBG network is a short-term, f ixed-rate loan with stable monthly payments. Funds from these loans may be used in a multitude of ways to help a small business.

What is a Term Loan?

A business term loan is a lump sum of money you borrow from a lender, then pay back at fixed intervals — with interest — over a set period of time. Depending on your lender, you’ll pay off the loan on a weekly, bi-weekly, or monthly basis. Repayment periods from 2-5 years or more. Interest rates also vary by lender, but they can be either fixed or variable. Fixed rates stay the same, while variable rates change depending on the state of the market. Business term loans are great vehicles to invest in big purchases and long-term business growth. With long repayment periods and typically lower interest rates than credit cards, term loans give you ample time to generate a return on your investment before you have to pay your loan off.

Checklist for working capital loans General eligibility

✅ 3 years in business (with corresponding tax returns)

✅ For-profit business

✅ Proceeds: working capital, debt refinance, equipment purchases

✅ Minimum annual revenue requirement of $250,000

✅ Individuals owning 20% or more of business must be US citizens or legal permanent residents

Credit (for all individuals owning 20% or more of business)

✅ Good personal credit - minimum personal credit of FICO 680 Business credit score

✅ Public records search for business owners No bankruptcy in past 3 years

✅ No foreclosure in past 3 years

✅ No open tax liens or outstanding judgments

Ideal Financing For Your Business

Business term loans empower borrowers to pursue expansive growth strategies by spreading the costs over the loan’s duration. Whether your aim is to execute the next phase of your business plan, establish a new branch, acquire or lease equipment, venture into fresh markets, expand your workforce, or introduce a new product, term loans offer the financial leverage to propel you forward.
Longer-term loans are particularly suitable for meticulously planned business expansions and growth objectives. Analogous to investing in a property or obtaining a higher education, many business endeavors require time to yield a return on investment. The reduced monthly repayment obligations associated with long-term loans can furnish your business with the breathing room necessary to sustain positive cash flow.

Term Loan Benefits

Flexible funding to help your business grow—without the hassle.

✅ Loan Amounts: $50,000 to $300,000

✅ Repayment Terms: Choose from 2, 3, or 5 years

✅ Payment Schedule: Simple monthly payments

✅ No Prepayment Penalties: Pay off early with zero fees

✅ Fast Funding: Funds typically available within 2 weeks¹

✅ Competitive Rates: Fixed annual interest starting at 9.99%²

✅ Flexible Use of Funds: Great for construction, remodeling, equipment, or working capital

Small Business Term Loans

TERM BUSINESS LOANS

What is a Term Loan?

Checklist for working capital loans General eligibility

✅ 3 years in business (with corresponding tax returns)

✅ For-profit business

✅ Proceeds: working capital, debt refinance, equipment purchases

✅ Minimum annual revenue requirement of $250,000

✅ Individuals owning 20% or more of business must be US citizens or legal permanent residents

Credit (for all individuals owning 20% or more of business)

✅ Good personal credit - minimum personal credit of FICO 680 Business credit score

✅ Public records search for business owners No bankruptcy in past 3 years

✅ No foreclosure in past 3 years

✅ No open tax liens or outstanding judgments

Ideal Financing For Your Business

Term Loan Benefits

Flexible funding to help your business grow—without the hassle.

✅ Loan Amounts: $50,000 to $300,000

✅ Repayment Terms: Choose from 2, 3, or 5 years

✅ Payment Schedule: Simple monthly payments

✅ No Prepayment Penalties: Pay off early with zero fees

✅ Fast Funding: Funds typically available within 2 weeks¹

✅ Competitive Rates: Fixed annual interest starting at 9.99%²

✅ Flexible Use of Funds: Great for construction, remodeling, equipment, or working capital

Small Business Lender in Aiken, SC

Serving all 50 States

SERVICES

INDUSTRIES

Small Business Term Loans

TERM BUSINESS LOANS

What is a Term Loan?

Checklist for working capital loans General eligibility

✅ 3 years in business (with corresponding tax returns)

✅ For-profit business

✅ Proceeds: working capital, debt refinance, equipment purchases

✅ Minimum annual revenue requirement of $250,000

✅ Individuals owning 20% or more of business must be US citizens or legal permanent residents

Credit (for all individuals owning 20% or more of business)

✅ Good personal credit - minimum personal credit of FICO 680 Business credit score

✅ Public records search for business owners No bankruptcy in past 3 years

✅ No foreclosure in past 3 years

✅ No open tax liens or outstanding judgments

Ideal Financing For Your Business

Term Loan Benefits

Flexible funding to help your business grow—without the hassle.

✅ Loan Amounts: $50,000 to $300,000

✅ Repayment Terms: Choose from 2, 3, or 5 years

✅ Payment Schedule: Simple monthly payments

✅ No Prepayment Penalties: Pay off early with zero fees

✅ Fast Funding: Funds typically available within 2 weeks¹

✅ Competitive Rates: Fixed annual interest starting at **9.99%**²

✅ Flexible Use of Funds: Great for construction, remodeling, equipment, or working capital

Small Business Lender in Aiken, SC

Serving all 50 States

SERVICES

INDUSTRIES

✅ Competitive Rates: Fixed annual interest starting at 9.99%²