Term Loan · non-SBA
Fast funding when the SBA isn't the fit
Not every deal needs the SBA. A conventional term loan funds quickly with light documentation — a fixed rate and a clear payment, in days or weeks instead of months.
- Funds in days or weeks
- Fixed rate
- Light documentation
When it fits
Speed and simplicity
If you need capital quickly, don't have two years of tax returns, or just want a simpler process, a non-SBA term loan can be the right call. It's available to more applicants than SBA programs.
Working capital
Cover expenses, payroll or a growth push.
Debt consolidation
Roll expensive debt into one payment.
Equipment
Buy what you need without a long process.
Time-sensitive deals
When you can't wait months for funding.
What to expect
Clear terms, no surprises
Term loans are typically based on time in business (around 2+ years), revenue (roughly $250k/year, ~$20k per month) and credit (FICO 660+). The trade-off vs. the SBA is a higher rate for a faster, simpler process — we'll show you both so you can choose.
- ✓ Fixed rate and a predictable payment
- ✓ Funding in days or weeks
- ✓ Light documentation
- ✓ We compare it honestly against your SBA options
Need capital quickly?
Tell us what you need and how fast, and we'll find the right option.