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Business term loans

Finance a defined business goal with a structured repayment plan.

Explore term financing that provides a set amount of business capital with repayment over an agreed period.

One Streamlined ApplicationStart online without completing a separate preliminary funding form.
Decisions Can Come QuicklyQualified applicants may receive financing decisions in as little as 24 hours.
Funding on Your TimelineSome programs may fund within 24–72 hours after approval and required documentation.
How it works

A defined amount, purpose and repayment structure.

A business term loan generally provides an approved lump sum that is repaid over a specified term. Depending on the program, term financing may support expansion, major purchases, refinancing or other planned business investments.

Common business uses

  • Business expansion or renovation
  • Large inventory purchases
  • Growth initiatives
  • Technology and infrastructure
  • Refinancing eligible business obligations
  • Other planned business investments
Term structures

Repayment terms can vary significantly by financing program.

Shorter-Term Financing

May be structured for more immediate business needs with repayment over a shorter period. Payment frequency and cost depend on the provider and agreement.

Longer-Term Financing

May spread repayment over a longer period for qualifying businesses and eligible uses. Underwriting, collateral and documentation requirements may be more extensive.

Term length, rate, fees, payment frequency, collateral and other requirements vary by provider and applicant qualifications.

Typical qualification considerations

Providers evaluate repayment ability and the overall business profile.

These are common factors financing providers may evaluate. They are not minimum requirements or a guarantee of approval.

Business RevenueProviders generally evaluate revenue and the ability to support scheduled payments.
Time in BusinessA longer operating history may expand available term-loan programs.
Credit ProfileCredit history can influence available amounts, terms and pricing.
Purpose & AmountThe requested amount, use of funds and existing obligations may be considered.
How it works

One application. A clear path forward.

USA Business Funds helps you start the process. Reveal Lending provides secure application processing and funding fulfillment coordination, while participating providers determine underwriting, approval and terms.

Step 1Apply OnlineComplete one secure business funding application.
Step 2Review OptionsAvailable financing possibilities are evaluated based on your business profile.
Step 3ChooseReview available terms and decide whether an option fits your business.
Step 4Move Toward FundingAfter approval and required documentation, the financing provider completes funding.
Frequently asked questions

Business term loan questions.

What is a business term loan?

It is generally financing in which a business receives a set amount and repays it according to an agreed schedule over a defined period.

Are business term loans secured?

Some are secured and some may be unsecured. Collateral and guarantee requirements depend on the financing provider, amount and applicant qualifications.

Can a term loan be used for expansion?

Potentially. Expansion, renovations, equipment, inventory and other business investments may be eligible uses depending on the provider and financing program.

Are rates and terms the same for every business?

No. Rates, fees, terms and approval amounts depend on underwriting, the financing provider, business profile and other factors.

Secure application

Get qualified for business funding.

Complete one secure application to explore financing options for your business—without repeating your information.

◉ Secure & Confidential✓ One Application. No Preliminary Form.✓ Initial Qualification Uses a Soft Credit PullSoft credit inquiry does not impact your credit score.
Business Funding Application
SECURE APPLICATION

Secure application processing and funding fulfillment are provided through Reveal Lending. USA Business Funds is not a lender and does not make credit decisions. After submission, you’ll be taken to a USA Business Funds confirmation page explaining the next steps with Reveal Lending.

Ready when you are

See what financing options may be available for your business.

Complete one secure application to begin exploring available business financing options.

USA Business Funds is not a lender and does not make credit decisions. Financing is subject to provider underwriting, approval and applicable terms.

Get Qualified