Long-Term Business Loans
From $25,000 to $5,000,000
for Major Business Growth
- Terms up to 10 years
- Competitive fixed rates
- Predictable monthly payments
- Perfect for expansion & equipment
*Comprehensive application review with competitive terms
What are Long-Term Business Loans?
Long-term business loans provide substantial capital for major business investments with extended repayment periods. These loans are ideal for significant expansions, real estate purchases, large equipment acquisitions, or other major business initiatives.
Extended Repayment Terms
Repay over 2-10 years with manageable monthly payments that fit your cash flow.
Competitive Interest Rates
Lower rates compared to short-term financing due to extended terms and larger amounts.
Fixed Monthly Payments
Predictable payments make budgeting easier and provide financial stability.
Perfect for Major Business Investments
Long-term loans provide the substantial capital needed for significant business growth initiatives and major purchases.
Real Estate Expansion
Purchase commercial property, expand facilities, or renovate existing spaces for business growth.
Equipment & Machinery
Acquire expensive equipment, machinery, or technology systems that drive long-term productivity.
Business Expansion
Open new locations, enter new markets, or significantly scale your operations nationwide.
Workforce Expansion
Hire key personnel, build teams, and invest in human capital for sustainable growth.
Debt Consolidation
Consolidate multiple high-interest debts into one manageable payment with better terms.
Technology Upgrades
Invest in new technology, software systems, or digital transformation initiatives.
Qualification Requirements
Our long-term loans have comprehensive requirements to ensure successful partnerships and favorable terms.
Business History
Minimum 2 years in business with strong financial performance
Annual Revenue
Minimum $250,000 in annual gross revenue
Credit Score
Personal credit score of 650+ (business credit considered)
Financial Documentation
Tax returns, financial statements, and bank statements required
Debt Service Coverage
Sufficient cash flow to support loan payments comfortably
Long-Term Loan Terms & Features
Loan Details
Key Features
Long-Term Loan Application Process
Our comprehensive process ensures you get the best terms and structure for your major business investment.
Initial Application
Submit comprehensive application with business and financial details.
Document Review
Provide financial statements, tax returns, and supporting documentation.
Underwriting
Comprehensive credit and financial analysis by our underwriting team.
Terms & Approval
Receive loan terms, review agreement, and complete final approval.
Funding
Sign final documents and receive funds via wire transfer or ACH.
Frequently Asked Questions
Get answers to common questions about long-term business loans and our application process.
What makes long-term loans different from other business funding?
Long-term loans offer extended repayment periods (2-10 years), larger loan amounts, and typically lower interest rates. They're designed for major business investments like real estate, equipment, or significant expansion projects that generate returns over time.
How long does the application process take?
The comprehensive application process typically takes 1-3 weeks from initial application to funding. This includes document collection, underwriting review, and final approval. The thorough process ensures competitive rates and terms.
Do I need collateral for a long-term business loan?
Collateral requirements depend on the loan amount and your business profile. For larger loans or to secure better rates, collateral such as real estate, equipment, or business assets may be required or beneficial.
Can I use the loan for any business purpose?
Long-term loans can be used for most legitimate business purposes including real estate purchases, equipment acquisition, business expansion, debt consolidation, or other major investments that benefit your business long-term.
What financial documents will I need to provide?
You'll need business and personal tax returns (2-3 years), financial statements, bank statements, business plan for loan use, and possibly additional documents depending on your specific situation and loan amount.
Are there prepayment penalties?
Most of our long-term loans do not have prepayment penalties, allowing you to pay off your loan early if your business cash flow improves or you want to reduce interest costs.
Ready for Your Long-Term Business Loan?
Take your business to the next level with substantial capital and extended terms. Perfect for major investments that drive long-term growth and success.
*Comprehensive review process • Competitive rates • Extended terms up to 10 years