Fixed-Rate Senior Commercial Debt
Business Term Loans: Predictable Growth Capital Up to $500,000
Secure predictable, fixed-rate senior financing with terms up to 5 years for business expansion, equipment procurement, and high-interest debt refinancing.
Fixed monthly amortization schedules protecting business margins against interest rate volatility
Competitive fixed APR starting from 6.99% with zero prepayment penalties on early retirements
Direct underwriting approval and wire outlay within 24 to 48 hours
No Hard Credit Pull·Direct Desk Underwriting·Disbursements in 24–48h
Program Structure
Direct Institutional DeskSenior Business Term Loan
Facility Cap$500,000
Repayment Term2 to 5 Years
Starting APRFrom 6.99%
Time In Business2+ Years
Authorized Use of Proceeds:
Capital expenditures, inventory expansion, facility upgrades, working capital reserves & consolidation of high-interest debt.
Underwriting Desk:
Borrower Qualification Benchmarks
Standard criteria for senior debt facility approval
- Time in business: Minimum 2+ operating years
- Personal credit score: 650+ FICO (soft inquiry to review)
- Entity status: U.S.-based entity owned by U.S. citizen or permanent resident
- Clean lien profile: No outstanding federal tax liens without active payment plan
- Bankruptcy history: Minimum 3 years discharged
- Historical debt: Current on all government-related and SBA loans
Underwriting Intake Package
Required items to generate binding credit memo
- Completed digital intake application (via Slide-over Drawer)
- Last 6 months of complete operating business bank statements
- Last 2 years of corporate tax returns (Form 1120/1120-S)
- Year-to-date Profit & Loss statement and Balance Sheet
- Current business debt schedule (serviced liabilities list)
Interactive Lending Tools
Business Term Loan Payment & Amortization Calculator
Simulate monthly principal and interest, total finance charges, and debt service amortization.
No credit check required to simulate
Quick Scenario Presets:
$
$30,000Current: $100,000$500,000
3 Years (36 Mos)
1 Yr3 Yrs5 Yrs
%
5.0% (Prime base)Current: 8.99%25.0%
Estimated Monthly Payment
$3,180/mo
Based on fully amortized 3-year structure at 8.99% APR.
Principal: 87%Total Interest: 13%
Total Borrowed:$100,000
Total Interest Paid:$14,462
Total Payments:$114,462
Business Term LoansFixed 6.99%–26.99%
Predictable senior debt • 2–5 year terms for growth capital and equipment
🔒 256-bit TLS•⚡ Soft Pull Only•Zero Broker Fees
Cap:$500,000