Working Capital · Business Term Loans

Business Term Loans: A Fixed Sum, A Fixed Schedule

A business term loan gives you a fixed amount at close, repaid on a predictable schedule. Ideal for one-time capital moves where the number and the timing are both known.

Apply for a Term Loan

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Product Overview

Lump Sum at Close, Predictable Repayment After

Business term loans are the classic shape of a business loan: money hits your account at close, and you pay it back on a scheduled cadence. Because both sides of the deal are fixed, you can model the repayment against your revenue plan without surprises. A Lendora advisor sizes the loan against the specific project or use of funds you have in mind, and structures the term so the schedule matches the way your business generates cash.

When to Use

Three Common Use Cases for a Term Loan

Use a term loan when the funding target has a defined number and a defined payoff horizon.

Expansion Projects

Fund a second location, a build-out, a new hire cohort, or a market push where the investment lands once and pays off over months.

Debt Refinance

Roll higher-cost balances into a single term loan with a clean schedule, so total interest and total time-to-payoff both shrink.

Large Inventory or Asset Buys

Fund a big inventory pre-order, a bulk purchase discount, or an asset acquisition that a line of credit is not sized for.

How It Works

The Same Four Steps, Applied to a Term Loan

01 Apply online with the amount and use of funds.
02 A Lendora advisor matches your file to term loan products across our lender network.
03 Review the offers you actually qualify for, weigh rate, term, and any collateral requirements.
04 Sign, close, and the funds are wired to your business account on schedule.

Common Questions About Business Term Loans

Term Loan Questions

A term loan is a fixed lump sum repaid over a scheduled period. A line of credit is a flexible pool you draw from as needed. Term loans suit specific projects; lines suit ongoing cash flow.

Common uses include expansion, refinancing higher-cost debt, equipment purchases, renovation, and any one-time capital need. Your advisor walks through fit.

Loan sizes vary by lender, product, and your business profile. Your advisor quotes the actual range you qualify for after reviewing your situation.

Some term loan products require collateral or a personal guarantee; others are unsecured. The trade-off is usually rate and term length.

Term loans typically run from a year to several years. Your advisor confirms available terms based on the product and lender matched to your file.

Fund the One-Time Move With a Term Loan That Matches It

Apply for a term loan or talk to a Lendora advisor about sizing.

Apply for Funding Talk to a Funding Advisor