Business Term Loans

Lock in predictable, fixed payments and fund what matters expansion, inventory, equipment, or refinancing high-cost debt. Flowrise Funding streamlines the process, compares lenders, and helps you secure terms that fit your cash flow.

Business Term Loan for Small Business

A business term loan gives small businesses dependable, long-term funding with fixed rates and predictable payments. It’s ideal for managing cash flow while expanding operations, upgrading equipment, or refinancing high-cost debt.

Flowrise Funding connects you with lenders who understand small business needs, offering clear terms, quick approvals, and flexible options that align with your goals.

With steady payments and simple qualification steps, a term loan helps you plan confidently, invest strategically, and keep your business growing without financial strain.

How Flowrise Funding Business Term
Loan Works

We keep the steps simple you run the business; we handle packaging and lender matching.

Apply

Submit a short online form with revenue, time-in-business, and use of funds. Get rapid prequalification ranges so you know your ballpark before uploading documents.

Select Funding Type

Compare structures and terms side by side (12–60+ months). We’ll surface fixed-rate options and highlight fees, amortization, and total cost. Prefer longer horizons?

Approved Funds

We package your file and route it to targeted long term business loan providers. After underwriting, review your firm offer with rate, term, monthly payment, and estimated funding timeline.

Repayments

Make predictable monthly payments that fit your cash cycles. Put capital to work for expansion, equipment, inventory, build-outs, or debt consolidation and stay focused on execution.

Where To Get Business Term Loans In the United States

Who Apply for Small Business SBA Loan Program?

If you’re a for-profit U.S. business with stable revenue and a practical plan to repay, you’re a strong candidate for a business term loan. Owners use term loans to scale operations, hire, purchase inventory, and replace expensive short-term debt with one predictable payment.

Growing companies, seasonal operators bridging slow periods, and newer firms with experienced management apply successfully. Not sure where you land? Apply — our advisors will map the best route.

Small business lines of credit are ideal for:

Purchasing new inventory
Opening a new location
Upgrading or replacing equipment and technology
Bolstering your small business’s marketing
Filling in cash flow gaps during slow seasons or between projects

Frequently Asked Questions

What is the process for a Business Term Loan?

Apply online, view prequalification ranges in minutes, upload docs, and we’ll package your file for the right lender. Underwriting reviews financials, credit, and use of funds. If approved, you e-sign and receive funding per the closing timeline.

What is the repayment plan for my business?

Fixed monthly payments over a defined term (commonly 12–60 months, sometimes longer). We’ll show total cost, estimated payoff date, and any prepayment terms before you accept.

Can I get a business term loan with instant approval?

You can often get an instant prequalification and a same-day term-sheet review. Final approval depends on full underwriting, but our process keeps things moving quickly.

What can I use funds for?

Working capital, inventory, equipment, vehicles, build-outs, partner buyouts, and refinancing eligible business debt. Personal use isn’t permitted.

Flowrise handled the paperwork and kept us updated. We closed on time and finally upgraded our equipment

We compared offers and picked the structure that matched our seasonality. Payments are predictable and sane

After months of stalls elsewhere, Flowrise got it done.

Transparent terms, steady communication, and funding right when we needed it. Flowrise made a complex process feel easy