Fast & Flexible
Term Loan
Excellent | 15,718 reviews
Access up to $2M with flexible terms tailored for your success.
Why a Term Loan?
A term loan arranged by Biz2Credit can be the engine that can help take your small business to the next level of growth. We offer short, medium and long duration term loans (ranging from 3 months to 5 years) according to the unique needs of your business.
Term Loan Benefits:
Predictable repayment
Lower Rates
Large Funding
What Is a Term Loan?
A term loan from Biz2Credit provides a lump sum of cash to be paid back with interest at various intervals until the contract is fulfilled.
This money provides young small businesses with the ability to scale and strengthen their cash flows at the most pivotal moments in their growth history.
Best For
- Expanding Operations
- One-Time Big Investments
- Purchasing Equipment
- Managing Seasonal Cash Flow
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Financing Today
Start Your Application 
Why Biz2Credit?
No Hidden Fees
Transparent financing and contracts sent to you for review before signing.
Dedicated funding specialist
A real person assigned to your application from day one.
Transparency
Real-time status visibility; fewer black-box steps
End-to-end management
One system to apply and manage your loans with Biz2Credit including payments.
Estimate Your Repayments
Get a sense of what repayments might look like. Rates vary by profile.
How to Apply for a Term Loan
Tell Us What You Need
Plain-English application with dedicated funding specialist support for any questions.
Review Your Options
Our platform shows you matching options.
Get Funded
Decisions as fast as 24 hours.
You will need:
Note: More documents may be required when applying with Biz2Credit.
Customer stories
Real Businesses.
Real Results.
All stories are real, as told by real business owners. No actors, no scripts — just the people we've been proud to fund.
After reviewing offers from other lenders, the offer from Biz2Credit really stood out.
The customer service, [and] the amount of people they have to help is incredible and I'll continue to use them just for that purpose only
Biz2Credit has been our main lender over the years we have been in business. We have such a history now, through ups and downs, I feel like (Biz2Credit) has always been there for us.
FAQs About Term Loans
Straight answers about eligibility, fees, and funding speed.
A business term loan is when a company borrows a set amount of money and agrees to repay it over a fixed schedule. Small businesses often use these loans to buy equipment, expand, or grow their operations. To qualify for a term loan, financing providers will review financial documents as well as check your credit score to ensure you're able to pay the loan back on time.
At Biz2Credit, we provide term loans to qualified applicants between $25,000 and $2 million, with terms between 3-60 months.
When you apply for a term loan, financing providers want to see that you're financially reliable. They'll look at your credit score, business financials, and repayment history to gauge your ability to manage debt. You'll have a better shot at approval—and possibly better terms—if you have solid credit, up-to-date records, and a clear plan for how the money will be used. Paying down existing debt and maintaining a steady cash flow can also work in your favor.
The approval process varies depending on the documents and eligibility. Biz2Credit strives to provide quick funding decisions.
Term loans come with fixed payments and potential tax benefits. Some downsides include stricter qualification requirements and long-term repayment commitments.
To apply, create an account on Biz2Credit.com, submit your application with the necessary financial documentation.
Term Loan Articles
FROM THE KNOWLEDGE CENTER*
*This information is provided for general information only
, does not constitute financial advice, and does not necessarily describe Biz2Credit commercial financing products.
Explore Other Financing Options
Your business is unique. We have several financing options built for real small businesses.
Line of Credit
Revenue-Based Financing
Flexible funding that works for your business
- Financing from $25k - $2M+
- FICO Minimum Score of 575
- Various repayment and terms
Ready to Apply for a Term Loan?
Apply Now
The Biz2Credit Line of Credit is not currently available in all states. At present, businesses in the following states may be eligible for the Line of Credit based
