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Term loans for business
Working capital loans to long-term loans—choose the financing option that fits your business best.
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$3+
Billion in financing
Funding
As fast as 4 hours
Approval
As fast as 2 hours
55,000+
Small businesses financed
What is a term loan?
A term loan gives businesses a single, upfront sum of cash to fund big plans or tackle significant needs. It’s a financing option best suited for established businesses with solid financial health.
You receive a set amount of money, repay it over an agreed schedule, and the terms may include either fixed or variable interest rates.
Here’s how you can qualify for a working capital loan
Here’s what you need to qualify:
Here’s what you need to qualify:
Business operations based in the United States
At least 6+ months in business
Monthly revenue of $15,000 or more
A business bank account for revenue deposits
A minimum credit score of 500+
A working capital loan is designed to keep your business moving forward by covering immediate expenses and improving cash flow.
Use it to:
Invest in your team Cover payroll or onboard new talent to strengthen your workforce.
Drive marketing efforts Launch campaigns that put your business in front of fresh audiences.
Improve cash flow
Create a buffer for any unexpected costs.
Fuel daily operations with a working capital loan
Financing from $25,000 to $600,000
Terms ranging from 6 to 24 months
Factor rates starting as low as 1.11
Seamless, automatic daily or weekly payments
Pros and cons of a working capital loan
Pros of working capital loans
Get approved in as fast as 4 hours.
Financing can hit your account as soon as the same business day.
Utilize the funds for any business need, from payroll to inventory.
Cons of working capital loans
In comparison with traditional banks, the quick, flexible approval comes with higher rates.
You’ll need to repay the entire loan amount within a set timeframe.
We are trusted by:
Empowering small businesses with flexible financing options from Express Commercial Capital. Fast approval and tailored funding to grow your business.
Trusted financial advice and tools from Bankrate for personal finance management.
A professional image showcasing Express Commercial Capital financial services and business loan solutions for small to medium-sized enterprises.
Here’s how you can qualify for a long-term loan
To meet long-term business loan requirements, your business needs to meet the following criteria
Operating in the United States
At least 2 years in business
Minimum annual deposits of $500,000
A business bank account for all revenue deposits
A credit score of at least 500
Long-term loans offer substantial capital to support big-picture initiatives and sustained growth.
Use business term loans to:
Open new locations Expand your physical presence and reach more customers.
Upgrade equipment Invest in state-of-the-art tools and machinery to improve the way you work.
Enter new markets Tap into new customer bases and diversify your revenue streams.
Invest in impactful growth with a long-term loan*
Invest in substantial projects with benefits like:
Financing amounts from $50,000 up to $10,000,000
Repayment terms extending up to 120 months
Convenient monthly payments for better cash flow management
Pros and cons of a long-term loan
Pros of long-term loans
Long-term loans are perfect for larger investments that drive long-term growth, such as expansions or equipment.
Simplify budgeting with predictable monthly payments.
Simplify budgeting with predictable monthly payments.
Cons of long-term loans
Businesses with seasonal or fluctuating revenue may find fixed payments challenging.
Long-term loans are better for strategic growth than immediate cash flow needs.
Long-term loans typically require solid annual revenue and a strong credit profile.
We are trusted by:
Empowering small businesses with flexible financing options from Express Commercial Capital. Fast approval and tailored funding to grow your business.
Trusted financial advice and tools from Bankrate for personal finance management.
A professional image showcasing Express Commercial Capital financial services and business loan solutions for small to medium-sized enterprises.
How to apply for business financing in 4 easy steps
Getting started with a term loan for business is quick and hassle-free. Here’s how it works.
Apply online
Begin by clicking “Get Started” to apply for your financing options
Prepare your documents
Have essential documents ready, such as recent bank statements and a government-issued ID.
Get fast approval
Your application will be reviewed, and you could be approved in as little as 4 hours.
Receive same-day funding
Once approved, funds may be in your account on the same business day.
Free Estimate!
For the fastest reply, call or text us 24/7 at 310-954-6805
Why choose Express Commercial Capital for business financing?
Simplify the financing experience so you can focus on what matters most—growing your business.
Dedicated support
Our 100% U.S.-based team of financing experts is with you every step of the way, providing best-in-class support from application to final remittance.
Your trusted financing partner
With over 46,000 businesses served across the U.S. and a 4.8 rating on Trustpilot, we have a proven record of helping small businesses achieve their goals.
Automatic, stress-free payments
Our automatic payment options make repayment easy, so you can keep your attention on your business operations.
Express Commercial Capital’s other business financing options
Merchant cash advance
A great financing solution for those with lower credit scores in immediate need of short-term funding.
Long-term loan
Plan for the future with confidence with this long-term loan.
Business lines of credit
The most flexible access to working capital whenever you need it.
All financing options
Don’t see what you need here? Look at all of Express Commercial Capital’s business financing options.
Our Services
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Frequently asked questions about business term financing
What is the difference between a working capital loan and a long-term loan?
While both can be considered term loans for small businesses, a working capital loan is typically short-term, with repayment terms ranging from 6 to 24 months, and is meant for immediate needs like covering operating costs.
In contrast, a long-term loan provides larger amounts of capital with terms extending up to 120 months, making it suitable for major growth initiatives like expansion, equipment purchases, or real estate.
Long-term loans are ideal for businesses looking to make substantial, sustained investments in their growth.
Can I apply for both a working capital loan and a long-term loan?
Yes, your business may qualify for both types of loans, especially if you need financing for both short-term operations and long-term growth projects.
Working capital loans are excellent for covering immediate needs, while long-term loans can support significant investments.
Discussing your goals with a Express Commercial Capital financing expert can help you determine the best solution for your business needs.
Can a working capital loan help with seasonal cash flow?
Absolutely. A working capital loan is ideal for businesses with seasonal revenue fluctuations, as it provides short-term financing to cover operational costs during slow periods.
You can use these funds to keep up with expenses, stock inventory in preparation for peak seasons, or cover payroll when cash flow is limited.
Fuel your business growth with flexible financing.
Apply today. See how fast you can access the funds to drive your business success.
*Some products are made available through Express Commercial Capital’s network of external funding partners.
Frequently Asked Questions
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