Our Bank Term Loans provide established businesses with a lump sum of capital that's repaid over a set period with a fixed interest rate. This traditional financing solution offers predictable payments and competitive rates for businesses with strong credit and financials.
• Large One-Time Expenses
• Debt Refinancing
• Working Capital
• Inventory Financing
• Equipment Purchases
• Business Expansion
• Operational Expenses
• Business Acquisition
Predictable Payments: Fixed interest rates ensure consistent monthly payments
No Prepayment Penalties: Pay off your loan early without additional fees
Extended Terms: Longer repayment periods than alternative financing
Credit Building: Helps establish and improve your business credit profile
• 2+ years in business
• LLC or Corporate structure
• Positive cash flow
• 650+ credit score
• $20K+ monthly revenue
• No recent bankruptcies
How our bank term loans compare to other financing options
| Feature | Bank Term Loan | Line of Credit | Alternative Loan |
|---|---|---|---|
| Interest Rate | 7.99% - 15.99% | 10% - 25% | 15% - 99% |
| Term Length | 6 mo - 7 yrs | Revolving | 3 mo - 5 yrs |
| Payment Structure | Fixed monthly | Minimum + interest | Daily/Weekly |
| Funding Amount | $10K - $500K | $5K - $250K | $5K - $500K |
| Speed to Fund | 5-10 days | 1-3 days | 1-2 days |
| Best For | Large, one-time expenses | Ongoing expenses | Quick cash needs |
To process your bank term loan application, we'll need the following documents:
Investor Credit Partners is not a lender. We are a brokerage and advisory firm that works with a network of funding providers. All programs, rates, amounts, and timelines are subject to change and approval by the underlying provider. Approvals depend on creditworthiness and underwriting. Some programs require a soft credit pull and some require a hard pull. Programs may be limited by state availability and industry. Nothing on this page is financial, legal, or tax advice.