Bank Term Loan
for Business

Bank term loan for businesses is a fixed-term business loan in which a set amount is borrowed and repaid with principal and interest over a specific period.


Depending on the bank, the terms may vary — loan periods typically range from 2 to 10 years, interest rates from 10% to 25%, and the loan may have fixed or variable rates, with or without collateral. Applying on your own can be time-consuming and sometimes difficult to navigate.

 

We offer unsecured bank term loans through our network of various banks and financial companies. There are no upfront fees, and a one-time fee is charged only after closing. We guide you thoroughly from start to finish.


Bank Term Loan #1

10-Year Bank Term Loan

Working Capital, MCA Consolidation

This is a fast and unsecured bank term loan for businesses.

 

10-Year Bank Term Loan — Not SBA!

A true bank term loan available without the complicated SBA process.


Up to $350,000 with a fixed 10-year term.

 

Designed to pay off high-cost MCAs (Merchant Cash Advances) or fund real business growth.

 

 

Fast underwriting — approvals within 2 weeks,
and funding typically in 2–4 weeks.

 

 

This program gives you a powerful reason to re-engage clients who have two MCAs or tight cash flow.

 

 

 
Eligible Areas:
All 50 states in the United States.

 Term Loan Summary

Loan Amount: $25,000 – $350,000
Use of Funds: Working Capital, Debt Consolidation, or MCA Payoff
Term: 10 years
Rate: 15% – 20%
Lender Origination Fee: 3% – 5%
Broker Fee: One-time fee after closing
Fast Funding: 2–4 weeks

 

 

Eligibility Requirements

  • FICO Score: 640 or higher

  • Annual Revenue: $175,000 or higher

  • Time in Business: At least 1 year

  • Legal Status: U.S. Citizen or Permanent Resident

Must Have:

  • Positive EBITDA (operating profit), or

  • Positive cash flow shown in the last 12 months of business bank statements

 

 

Required Documents

  • Last 12 months of business bank statements

  • 2 years of business tax returns

  • 1 Year of personal tax return

  • Debt schedule

Funding Time: Approximately 2–3 weeks
✅ No SBA involvement required


Bank Term Loan #2

MCA Consolidation

(Bank Term Loan for Merchant Cash Advance Consolidation)

We are pleased to introduce a new Bank Term Loan Program that allows business owners to consolidate short-term loans, MCAs (Merchant Cash Advances), and other high-cost debts in the regions listed below.

 

With this program, you can now offer a Consolidation Loan designed to refinance MCAs and other high-interest business debt.

 

Since the SBA recently suspended its MCA refinance option, this new solution provides business owners with an excellent alternative to achieve cost savings, improved cash flow, and long-term financial stability.

 

Experience secure and reliable financial support through our network of trusted, established banks.

 

 

 

 

Available Regions:
New York (NY)
New Jersey (NJ)
Florida (FL)
Arizona (AZ)
Michigan (MI)
Ohio (OH)
Indiana (IN)
California (CA) — LA Metro Area

 

Program Highlights

  • Maximum Loan Amount:
    Up to 35% of annual revenue, with a maximum cap of $1,000,000
  • Structure:
    5-year fully amortized term loan
  • Repayment:
    Monthly principal and interest payments
  • Interest Rate:
    WSJ Prime + 0% to 3%
  • Use of Funds:
    Consolidation of MCAs or existing business loans
  • Broker Fee:
    One-time fee after closing

 

Minimum Qualification Requirements

  • Time in Business: At least 2 years

  • Personal Credit Score: All owners must have FICO 680+

  • Profitability:
    Business tax returns (last 2 years) must show sufficient net income to cover debt payments

  • Legal Status: U.S. Citizen or Permanent Resident

  • Bankruptcy: No history of bankruptcy ever

 

Required Documents

  • Most recent 3 months of business bank statements

  • 2023 & 2024 business tax returns

  • 2023 & 2024 personal tax returns

  • 2025 year-to-date Profit & Loss (P&L) statement and Balance Sheet

  • Current Debt Schedule