Long Term Business Loans

Long-Term Business Financing

Fixed-rate long-term financing for major business investments, expansions, and acquisitions.

$25K–$5M
Loan Amount
From 5.5%
Interest Rate
5–10 Years
Term
2–4 Weeks
Funding Speed
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Product Overview

What is a Long-Term Business Loan?

Long term business loans provide large amounts of capital with extended repayment periods and lower monthly payments compared to short-term options. Best suited for significant investments — acquiring a business, major expansion, large equipment purchases, or real estate improvements. The lower monthly obligation preserves cash flow while funding growth.

With terms extending 5–10 years and competitive fixed rates, long-term loans let you make transformational investments without straining your monthly operating budget. Our advisors match you with lenders who specialize in your loan size and business type.

Key Benefits

  • ✓Lower monthly payments spread over longer terms
  • ✓Large loan amounts for major investments
  • ✓Fixed rates for payment predictability
  • ✓Ideal for acquisitions, expansions, and major capex
Who Qualifies

Requirements

Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.

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Minimum 2 years in business
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Annual revenue $250K+
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Credit score 650+
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Full financial statements and tax returns
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Collateral may be required for larger amounts
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Strong business plan for investment projects
How It Works

How to Apply

1

Quick Application

Share your business profile, the investment you're planning, and your financial overview.

2

Discovery Call

An advisor reviews your investment goals and structures the right loan size, term, and collateral approach.

3

Get Matched

We match you with the best long-term lenders for your deal size and business profile.

4

Get Funded

Close in 2–4 weeks. Long-term capital deployed with fixed payments you can plan around.

Common Questions

Frequently Asked Questions

Long-term business loans typically have repayment periods of 3-10 years, with SBA real estate loans extending to 25 years. They're structured for major investments where spreading payments over time makes more financial sense than a shorter-term product. Common uses include major equipment purchases, real estate acquisition, business acquisitions, and large-scale facility expansions.
Long-term business loan rates typically range from 5.5% to 12% depending on credit profile, collateral, time in business, and lender. SBA loans often carry some of the most competitive rates — typically Prime + 2.25% to 2.75%. Conventional bank loans offer similar rates with stricter qualification requirements. We compare options across our full lender network to find your best available rate.
Many long-term loans allow early payoff, but some carry prepayment penalties — typically a percentage of the remaining balance or a set number of months' interest. SBA loans may carry prepayment fees during the first three years of the loan term. We review prepayment terms before you commit and favor products without prepayment penalties whenever available.
Collateral requirements vary by loan size and lender. Loans under $150,000 may be unsecured or secured with only a general business lien. Larger loans often require real estate, equipment, or accounts receivable as collateral. SBA loans require collateralization to the extent available but won't be declined solely for lack of collateral. We evaluate all options including unsecured and partially secured alternatives.