Financing product
Business Term Loans
Structured loans with fixed payments over 6 to 60 months. The right fit when you know exactly what you're buying and want the cost spread out at a rate that rewards a solid file.
Pre-qualifying won't affect your credit score.
Quick facts
- Amounts
- $25K – $5M
- Terms
- 6 – 60 months
- Pricing
- Est. APR from ~8% (varies by file)
- Payments
- Fixed monthly
- Review
- Within 1 business day
- Underwriting
- Bank statements first — reviewed by a person
What can you use it for?
Expansion
Open the second location or add the service line demand is asking for.
Buildouts & renovations
Shop, warehouse, or office upgrades that unlock more volume.
Large purchases
Big-ticket buys where a fixed monthly payment beats draining reserves.
Restructuring
Replace expensive short-term positions with one predictable payment.
Why term loans through Built Together Funding?
Best for: Expansion, buildouts, large equipment, refinancing short-term debt. One application, statements-first review, and a person who walks you through the options — not a portal that ghosts you.
- Fixed monthly payments that are easy to budget around
- Larger amounts than most short-term products
- Longer terms keep monthly payments manageable
- On-time payments help build business credit
- Early payoff options with many partners
- One application, multiple partner options
Term Loans questions
What rate should I expect?
Estimated APRs start around 8% for the strongest files and rise with risk, term, and amount. Your actual rate comes from partner underwriting — the calculator lets you model the range honestly.
How long does approval take?
Our review happens within 1 business day. Term loan partner decisions typically take a few business days depending on documentation.
What do partners look for?
Consistent revenue on statements, time in business, and a clear use of funds. Stronger files get better terms — that's the whole point of comparing options.
See if term loans fits your file.
About 4–5 minutes. A straight answer within one business day. Pre-qualification is not funding approval. Final options are subject to review, underwriting, and partner availability.
Built Together Funding Corp works with a network of funding partners and is not a direct lender or the SBA. All financing is subject to partner review, underwriting, and approval. Rates, terms, and amounts shown on this site are estimates only, vary by qualifications, and are not an offer or commitment to lend. Not all applicants will qualify.