Business Term Loans - Advance Capital
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Business Term Loans

Term loans provide small and mid-sized businesses with quick access to capital to improve the business’s performance, jumpstart growth and increase profits. Our lending partners provide will working capital to enable your company to refinance existing debt at lower interest rates and longer terms, purchase inventory and equipment, launch advertising programs and hire new team members. These loans may be secured or unsecured in amounts as high as one million dollars and are available with terms as long as five years. Because of Advance Capital’s extensive relationships, it is able to negotiate a business loan that is specifically tailored to the unique characteristics of your company. Fixed interest rates start as low as 5.49% and increase depending upon the term and amount of the loan, the borrower’s credit score and the business’s financial strength. Term loans, just like other business loans, are usually accompanied by origination or other fees.

Flexible: $55,000 to $1,000,000

Manageable: Fixed monthly payments of principal and interest

Fast: 10-minute application

Easy: Low documentation

Term loans rates: 5.49% to 18.00% for loan terms up to 60 months.

Credit Criteria

Borrower FICO ≥ 620
Business revenue
(most recent year)
≥ $150,000
Business net income
(at least 1 of the last 2 years)
≥ $50,000
Years in business ≥ 1 year
Bankruptcies (≤ 7 years) or
criminal activity
Tax liens or Judgments Contact us for specifics

Subprime Business Term Loans

Some of our lenders offer loans at high rates of interest to businesses whose principals have FICO scores below 600. If your business is unable to qualify for a traditional loan, our representatives will discuss alternative financing options with you.

Documents You Will Need to Obtain a Term Loan

  • Driver’s License
  • Financial Statements
  • Business Tax Returns
  • Personal Tax Returns