$50K–$5M
Loan Amount
From 7%
Interest Rates
14–45 days
Funding Speed
5–25 years
Repayment Terms
When to choose a long-term loan
Long-term loans are best suited for significant, long-lasting investments. The extended term spreads payments over many years, keeping monthly costs manageable while you generate returns from the investment.
Common uses include commercial real estate acquisition, major equipment purchases, business acquisitions, and debt consolidation. SBA 7(a) loans are a popular long-term option because of their government backing and favorable terms.
Key Benefits
- Low monthly payments
- Predictable repayment schedule
- Finance large investments
- Preserve working capital
Requirements
Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.
How to apply
Quick Application
Fill out our simple inquiry form. Tell us about your business, goals, and financial profile in just 5 minutes.
Discovery Call
Speak with a funding specialist who will learn about your needs and craft a personalized funding strategy.
Meet Your Advisor
Work one-on-one with your dedicated advisor through onboarding, credit optimization, and the funding process.
Get Funded
Execute your funding strategy with expert guidance and receive the capital your business needs to grow.
Frequently asked questions
Both options are available. Fixed rates give you predictable payments for the life of the loan; variable rates typically start lower but can change with market conditions.
It depends on the lender. Some long-term loans include prepayment penalties (typically 1–5% of remaining balance); others don't. We'll help you compare before you commit.
Match loan term to the lifespan of what you're financing. Real estate and major equipment warrant long terms; inventory and short-term cash needs should use short-term financing.
Explore similar funding options
Ready to get funded?
Take the first step toward the capital your business needs.