LendPeak
Back to programs
Funding Program · Predictable

Term Loans.

Stable, long-term capital for business expansion or major investments. A term loan provides predictable monthly payments and fixed rates over an extended repayment period — making it easier to plan, budget, and scale with confidence.

4.9/5 TrustpilotFixed monthly payments
Funding amount
$10K – $250K
Approval time
2 – 5 days
Term length
3 – 24 mos
Credit score
650+
Fixed rate · Builds business credit
Use Cases

Best For

  • Expanding or relocating your business
  • Purchasing major equipment or vehicles
  • Making commercial real estate down payments
  • Investing in large inventory orders
  • Acquiring another business
Requirements

Who Qualifies

  • 2 years or more in business
  • $50,000+ in monthly revenue
  • 650+ credit score
  • Demonstrated profitability

Less than 2 years in business? Working Capital (MCA) may be a better fit — your specialist will recommend the right program.

Key Features

Predictable financing for your biggest moves.

Fixed rates & payments

Lock in a fixed monthly payment from day one. No surprise jumps — budget around it the way you'd budget any other line item.

Terms up to 24 months

Match the repayment length to how the investment pays back. Longer terms keep monthly payments lower so cash flow stays healthy.

Build business credit

On-time payments report to business credit bureaus, helping you qualify for better terms and larger amounts down the road.

Borrow up to $250K

Larger lump-sum amounts than most working capital advances — designed for the bigger moves: new locations, major equipment, acquisitions.

Funding in action

Built for bigger moves.

Recent term loan approvals across the industries we serve.

Approved
$120K
Restaurant

Opened a second location with predictable monthly payments

Approved
$185K
Medical & Dental

Financed new imaging equipment on a 24-month term

Approved
$75K
Auto & Repair

Doubled bay capacity with two new lifts

“We knew exactly what we needed and exactly when — a term loan meant the payments fit our monthly P&L from day one. Our specialist walked us through three options and we picked the right one in twenty minutes.”
Dr. Lena Okafor
Bright Horizon Dental · Medical

Compare funding programs side-by-side.

Working Capital / MCA
Funding amount
$5K – $500K
Approval time
Same-day – 24 hrs
Term length
3 – 18 mos
Credit score
550+
Collateral
Not required
Best for
Quick cash flow
You’re hereTerm Loans
Funding amount
$10K – $250K
Approval time
2 – 5 days
Term length
3 – 24 mos
Credit score
650+
Collateral
Optional
Best for
Major investments
Line of Credit
Funding amount
$10K – $100K
Approval time
1 – 2 days
Term length
Revolving
Credit score
600+
Collateral
Not required
Best for
Ongoing flexibility
Equipment Financing
Funding amount
$5K – $500K
Approval time
1 – 3 days
Term length
Up to 5 yrs
Credit score
550+
Collateral
Equipment
Best for
Asset purchases
Invoice Financing
Funding amount
Up to 90%
Approval time
Same-day
Term length
30 – 90 days
Credit score
550+
Collateral
Invoices
Best for
Payment delays
SBA Loans
Funding amount
$50K – $500K
Approval time
30 – 90 days
Term length
Up to 25 yrs
Credit score
680+
Collateral
Often required
Best for
Long-term growth

Not sure which option fits you?

Choosing the right funding program depends on your goals, timeline, and business stage.

Need funds immediately for an urgent expense?

Working capital (MCA)

Offers the fastest approvals and same-day funding for eligible applications.

Learn more

Want ongoing access without reapplying each time?

Business lines of credit

Provides flexible, reusable capital you can draw and repay as needed.

Learn more

Planning a major investment with predictable repayment?

Term loans

Delivers larger amounts with fixed rates and consistent monthly payments.

Learn more

Buying specific equipment for your business?

Equipment financing

Uses the asset itself as collateral for faster, easier approval.

Learn more

Seeking the lowest rates for long-term growth?

SBA loans

Features government-backed financing for established businesses ready to scale.

Learn more

Need help deciding?

Our Funding Specialists will review your situation and recommend the best solution for your business — at no cost and with no obligation.

Get funding started(888) 744-8119

From application to funding — simplified.

  1. Step 1

    See if you qualify

    Share a few business details — it takes less than a minute. No paperwork or hard credit pull; we'll start your funding review right away.

  2. Step 2

    Connect with a funding specialist

    A real human reviews your info and calls to understand your goals. If you qualify, you'll receive a simple one-page application to continue.

  3. Step 3

    Finalize your application

    Complete the one-page form so underwriting can review and prepare your approval. Your specialist keeps the process fast, clear, and completely transparent.

  4. Step 4

    Sign & fund fast

    Review and e-sign final paperwork — most approvals fund within hours. Funds land directly in your business account.

A small business owner using LendPeak from her laptop, with a 5-star testimonial card overlay
Ready to grow?

Get matched with a funding specialist today.

Pre-qualify in 60 seconds — soft credit pull, no documents, no obligation.

See if you qualify