$50K – $5M
Loan Amount
From 7%
Interest Rate
14 – 45 days
Time to Fund
5 – 25 yr
Term
Match the amortization to the asset. Everything else follows.
There is one rule that governs long-term debt, and underwriters who ignore it hurt their clients. The term has to match how long the thing you are buying will actually produce income. Finance a twenty-year building on a two-year note and your debt service eats you. Finance a ninety-day inventory buy on a twenty-year amortization and you are paying interest for nineteen and three-quarter years on inventory that sold out the first month.
Long-term loans work when the capital goes toward commercial real estate, production equipment, a business acquisition, or a large debt refinance where consolidating multiple short payments onto one longer schedule makes the monthly math survivable. SBA 7(a) deserves a serious look for most of these use cases. The federal guarantee puts pricing and amortization windows on the table that private lenders cannot touch.
Eligibility what we typically look for
- Two or more years operating
- $250K+ annual revenue
- Personal credit 680+
- Current P&L and balance sheet
- Two years of business tax returns
Why founders pick this
Key benefits
- Monthly debt service that fits your operating budget instead of fighting it
- Five to twenty-five year repayment windows on qualifying deals
- Right-sized for commercial real estate, acquisitions, and major capital equipment
- Frees working capital that would otherwise be trapped in a lump-sum purchase
Things people ask before applying.
Depends on the deal and your view of rates. Fixed gives you a payment that never moves, which most operators sleep better with on a fifteen or twenty-year commitment. Variable usually opens at a lower number but moves with the underlying index, so you are taking on rate risk in exchange for a softer starting point. Your underwriter models both scenarios against your actual cash flow before you pick.
Sometimes yes, sometimes no. When they exist they usually run one to five percent of the remaining balance and step down over the life of the loan. We flag prepayment terms on every offer you see, so if early payoff is part of your plan you know the cost before you sign anything.
Match the loan to how long the asset will generate income. Real estate and major equipment belong on long amortizations. Inventory, a marketing push, or a cash gap that clears in ninety days should never be financed with twenty-year debt — the interest you pay over the life of the loan dwarfs the original need, and you end up servicing debt on something that is long gone.
Often stacked with this one.
SBA Loans
Federally backed financing with the lowest rates and longest terms most small businesses will ever see. The right call when the deal is too large, too long, or too ambitious for a quick-turn product.
Read the brief →Commercial Real Estate Loans
Acquisition, refinance, construction, and renovation financing for income-producing commercial property: office, retail, industrial, multifamily, and mixed-use.
Read the brief →Small Business Loans
Lump-sum capital for whatever the business actually needs. Fixed payments, flexible use, and funding inside a week when the file is clean.
Read the brief →Ready to apply for long term business loans?
One application puts every product on the table your underwriter handles the rest.
Soft credit pull. No hard inquiry unless you accept terms.