Faster funding, shorter terms
We help small businesses like yours get fast funding through bank term loans from our trusted partners.
Only takes 5 minutes and doesn’t impact your credit score
Faster funding, shorter terms
We help small businesses like yours get fast funding through bank term loans from our trusted partners.
See If You Pre-Qualify
Only takes 5 minutes and doesn’t impact your
credit score
Power your Business with Ease
Apply
Fill out our quick online form. A funding specialist will contact you in minutes to discuss your options.
Get a decision
Receive a personalized funding offer within four hours of your application.
Receive your funds
Funds are deposited in your account within 24–72 hours—ready when your business needs them.
Banking for Small Business, Reimagined.
Our mission is to help small businesses succeed by providing fast, flexible access to the financial solutions they deserve.
We power growth through smart innovation — replacing outdated, slow banking systems with modern, streamlined financing experiences built specifically for small business owners. Whether it’s revenue-based financing or a solution traditionally known as a merchant cash advance, we simplify the path to funding with clear terms, responsive support, and real speed.
No more confusion. No more delays. Just the financial clarity and confidence your business needs to move forward.
This is the future of small business financing — and it starts here.
2–5 year repayment plans with predictable monthly payments.
$50,000–$300,000 available for working capital or debt refinancing.
Attractive fixed interest rates.
Business owners must be U.S. citizens or permanent residents to qualify.
Must have 1+ years in business, good credit, and strong cash flow to qualify.
Industries
Bank Term Loans
PRODUCT OVERVIEW
Loan Size
- $50,000 – $300,000
Loan Description
- Bank term loan
Use of Proceeds
- Working capital
- Debt refinance
- New equipment purchase
Time to Funding
Pre-qualify in 5 minutes
- Funding as fast as 2 days after application is complete
Interest Rates
Fixed interest rate
Loan Terms
Pre-qualify in 5 minutes
- Funding as fast as 2 days after application is complete
Payment
Monthly payments are debited from checking account
Fees
- 6% referral and packaging fee
- Between $200 and $300 for bank closing costs
Security
- Lien on business assets
- No minimum requirement for the value of those assets
Geographic Coverage
- Nationwide
Bank Term Loans
QUALIFICATIONS & BORROWER ELIGIBILITY
Personal Credit Score
- Minimum 680 FICO
Public Records
- No bankruptcies or foreclosures in past 3 years
- No open tax liens
Cash Flow
- Cash flow to support loan payments
Use of Proceeds
Working capital, e.g. payroll, inventory, marketing, finance receivables, bookkeeping and legal fees, hiring
Refinance existing business debt
New equipment purchase
No acquisitions
Interest Rates
Fixed interest rate
Basic Eligibility
3+ years in business
Owner(s) must be U.S. citizen(s) or Lawful Permanent Residents
Business must be located in the U.S.
Non-profit businesses are ineligible
Business must be able to demonstrate repayment ability from earnings
Minimum annual revenue requirement of $250,000No recent charge-offs or settlements
Business must have appropriate cash to support loan payments
Demonstrate liquidity on the business bank statements
Bank Term Loans
Product Overview
- Loan Size: $50,000 – $300,000
- Loan Description: Bank term loan
- Use of Proceeds:
- Working capital
- Debt refinance
- New equipment purchase
- Time to Funding:
- Pre-qualify in 5 minutes
- Funding as fast as 2 days after application is complete
- Interest Rates: Fixed interest rate
- Loan Terms: 2 to 5-year terms, no prepayment penalty
Bank Term Loans
Qualifications & Borrower Eligibility
- Personal Credit Score: Minimum 680 FICO
- Public Records:
- No bankruptcies or foreclosures in past 3 years
- No open tax liens
- Cash Flow: Must support loan payments
- Use of Proceeds:
- Working capital (e.g., payroll, inventory, marketing, finance receivables, bookkeeping, legal fees, hiring)
- Refinance existing business debt
- New equipment purchase
- No acquisitions
- Interest Rates: Fixed interest rate
Term Loans FAQ
In general, SBA loans offer lower interest rates and longer repayment terms, while bank term loans are a great choice if you’re looking for fixed rates and faster access to funds through a quicker application process.
Most businesses in good financial standing that have been operating for more than two years are typically strong candidates for bank term loans.
Even if you don’t qualify for an SBA or bank term loan, SVP Funding Group will work with you to find other flexible financing options that suit your business needs — including revenue-based funding or lines of credit.
Yes! SVP Funding Group partners with a network of trusted lenders to help you access competitive bank term loans — no matter where your business is located. Whether you’re based in Florida or beyond, we can guide you toward the right term loan solution quickly and efficiently.
