Business term loans. Fixed payments, fast funding.
A term loan gives you a lump sum of capital with fixed monthly payments over a defined period. Predictable, straightforward, and often funded the same day. We match you to the lenders offering the most competitive terms for your profile.
How Term Loans works with Gateway Capital
Tell us your loan amount, revenue, and use of funds. No hard credit pull to start.
We route your application to lenders who specialize in your loan size and industry — not generic banks.
Get multiple offers with full transparency on rates, origination fees, and prepayment terms.
E-sign your agreement. Funds deposit to your account — often the same day you're approved.
Why businesses choose Term Loans
Know exactly what you owe every month. Fixed payments make budgeting and cash flow planning simple.
Many term loan lenders in our network can fund in 24 hours or less for qualifying businesses.
Access up to $2 million for major investments — far more than most credit cards or lines of credit.
Perfect for a specific investment where you know exactly how much you need upfront.
Our lender network competes for your business — you get the best rate available for your profile.
Term loans can be used for virtually any business purpose — expansion, equipment, marketing, staffing, and more.
When to use Term Loans
Business Expansion
Open a new location, enter a new market, or scale your team.
A gym owner borrows $300,000 to open a second location and purchase new equipment.
Renovation & Buildout
Upgrade your space, renovate your storefront, or build out a new office.
A law firm borrows $150,000 to renovate their office and upgrade technology infrastructure.
Marketing & Customer Acquisition
Fund a major marketing push, hire a sales team, or launch a new product.
An e-commerce brand borrows $100,000 to scale paid advertising and triple their customer base.
Hiring & Payroll
Bring on key hires ahead of a growth phase without straining cash flow.
A tech company borrows $250,000 to hire 5 engineers for a product build-out.
Inventory Purchase
Stock up ahead of peak season or secure a bulk discount on inventory.
A retailer borrows $175,000 to purchase Q4 holiday inventory at a discounted bulk rate.
Opportunity Seizure
Move fast on a time-sensitive business opportunity that requires immediate capital.
A contractor borrows $400,000 to secure a major government contract requiring immediate equipment purchases.
One 2-minute application. Matched to the best term loans lenders for your profile.
Common questions about Term Loans
How can a term loan help my business grow?
A term loan gives you immediate access to a defined amount of capital that you can deploy strategically. Instead of waiting until you've saved enough — or letting an opportunity pass — you get the capital now and repay it over time from the revenue that investment generates. The fixed payment structure makes it easy to model the ROI: if the loan costs you $3,000/month but generates $10,000 in new monthly revenue, the math is clear.
What is the difference between a term loan and a line of credit?
A term loan gives you a lump sum upfront with fixed monthly payments — best for a specific, defined investment. A line of credit is revolving — you draw what you need, repay it, and draw again. Lines of credit are better for ongoing cash flow needs. Term loans are better for one-time capital deployments like expansions or equipment.
Can I get a term loan with bad credit?
Yes. Our network includes lenders who work with credit scores as low as 550 for term loans. Factors like strong monthly revenue and time in business can compensate for a lower credit score. The lower your score, the higher the rate — but funding is often still accessible.
How fast can I get a business term loan?
Many lenders in our network can approve and fund a term loan in 24–48 hours for qualifying businesses. The main requirements for fast funding are a complete application, 3–6 months of bank statements, and no major red flags in your credit profile.
Are there prepayment penalties on term loans?
It depends on the lender. Some charge a prepayment fee, others don't. We always disclose prepayment terms before you sign — and can specifically match you to lenders with no prepayment penalties if that's important to you.
How much can I borrow with a term loan?
Our lender network offers term loans from $25,000 to $2,000,000. The amount you qualify for depends on your annual revenue, credit score, time in business, and debt service coverage ratio. Generally, lenders approve up to 10–15% of annual revenue for unsecured term loans.
Other funding products
Get matched to Term Loans lenders today.
Two minutes to apply. No hard credit pull. Funded in Same day – 48 hours.
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