Small Business Loans (Term Loans)
Borrow a fixed amount with predictable payments to fund growth, consolidation, or stability.
Safer-first recommendations
Deal protection built-in
Partner-ready packets
Best for
SMBs needing capital aligned to a clear purpose and repayment capacity.
Benefits
- Structured monthly payments and clear timelines
- Good fit for one-time needs (expansion, consolidation, equipment add-ons)
- Can be safer than daily/weekly remittance products when payments fit cash flow
- Useful for consolidating multiple obligations into a single plan (when appropriate)
How it works
- Confirm the goal, timeline, and maximum safe monthly payment
- Review core metrics (revenue, margin, expenses, existing debt)
- Prepare a simple business story and supporting documents (if requested)
- Compare offers against the safe-payment boundary and risk flags
Risk flags / when to avoid
- Don’t accept payments that exceed your maximum safe payment range
- Beware of stacking multiple products—can compress runway quickly
- Short-term ‘fast’ offers may carry high cost; review total cost carefully
FAQ
How fast can this fund?
Speed varies by partner and your documentation. For urgent timelines, we explore safer quick options first before expensive products.
What amount should I request?
Use a range tied to your cash-flow gap and buffer target. Avoid borrowing more than you can safely service.
Will this affect my credit?
Partners may perform credit checks; confirm before submitting. We recommend understanding the tradeoffs first.
Is this better than an MCA?
Often yes if monthly payments fit cash flow and cost is lower, but each case differs.
Do you guarantee approval?
No. Terms vary and approvals are not guaranteed.
Ready to review options?
Request a review and we’ll respond with next steps and a partner-ready packet.
Disclosures
- Not a lender: Financial Catapult is not a bank or lender.
- Third-party offers: Funding and processing options may be offered by third-party partners. Terms vary.
- No guarantees: Eligibility, terms, and approvals are not guaranteed.
- Not advice: Content is for informational purposes and is not financial or legal advice.
- Privacy: Information submitted is used to respond to your request and improve our service.