Conventional term loans: one fixed payment, up to ten years.
Secured and unsecured non-SBA term loans from $50,000 to $10 million, with terms from 18 months to 10 years. Expand, consolidate, buy equipment, renovate, or pay off merchant cash advances with a single predictable payment.
A cleaner way to borrow for growth
Conventional, non-SBA term debt with bank-style payments and private-lender speed.
Long terms, low payments
Terms up to 10 years keep payments manageable as you grow.
One predictable payment
A fixed monthly payment for the life of the loan, with no daily or weekly debits.
Pay off cash advances
Retire stacked merchant cash advances and free up daily cash flow.
Less paperwork
Conventional underwriting, typically faster than SBA.
Room to grow
Amounts from $50,000 to $10 million, secured or unsecured.
Flexible use of funds
Expansion, consolidation, equipment, renovation and working capital.
What a term loan can do
The most common ways owners use conventional term loans.
Pay Off Merchant Cash Advances
Replace daily debits with one fixed monthly payment
Explore →UseExpansion & New Locations
Open, build out or grow
Explore →UseDebt Consolidation
One lower payment instead of many
Explore →UseEquipment Purchases
Buy equipment on a conventional loan
Explore →UseRenovation & Improvements
Upgrade the space your customers see
Explore →Term loan vs. SBA vs. MCA
Where a conventional term loan fits among your options.
| Conventional term loan | SBA 7(a) | Merchant cash advance | |
|---|---|---|---|
| Amount | $50K – $10MM | Up to $5MM | Based on deposits |
| Term | 18 months – 10 years | Up to 10 years (25 with real estate) | 3 – 18 months |
| Payment | Fixed monthly | Fixed monthly | Daily or weekly debits |
| Paperwork | Moderate | Heaviest | Lightest |
| Speed | Weeks | Weeks to months | Days |
Conventional term loan FAQ
How much can I borrow?
$50,000 to $10 million, secured or unsecured, depending on revenue, credit and collateral.
What terms are available?
From 18 months to 10 years, with a fixed payment for the life of the loan.
What credit score do I need?
Generally 665 or higher for conventional term loans. Lower scores may fit our working capital or asset-based programs.
Can a term loan pay off my MCAs?
Yes. Paying off merchant cash advances and consolidating short-term debt is one of the most common uses.
Is this an SBA loan?
No. These are conventional, non-SBA term loans, usually with less paperwork and faster closings than SBA. We also arrange SBA 7(a) loans if you prefer.
Is collateral required?
Unsecured programs are available for strong files; larger amounts are usually secured by business assets or real estate.
Term loans in your state
State-by-state guides.
Rather talk it through first?
Skip the full application. Tell us what you need in a few words and an account executive will call you back with options.
- No application, no credit pull
- A real account executive, not a call center
- Usually a call back within one business day
Lock in one fixed payment.
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Commercial financing is arranged through Win-Win Capital Funding's network of banks, equipment lessors and asset-based lenders. Rates, terms, advance rates and amounts depend on credit, time in business, revenue, collateral and the equipment, and all financing is subject to credit approval and documentation. Tax treatment varies; consult your tax advisor. This is not a commitment to lend.