Business Term Loans
A lump sum up front, repaid on a fixed schedule. Built for planned growth.
- Compare several lenders with one application
- No credit pull to see your options
- No fee to you, ever
At a glance
- Best for
- Established businesses with a clear plan for the money.
- How it is repaid
- Fixed payments over months or years; lenders set the rate from your revenue, time in business and credit.
How business term loans works
A set amount of money paid out at once and repaid in fixed instalments over an agreed term. The most familiar kind of business loan.
What businesses use it for
- Opening a second location
- Renovations and build-outs
- Hiring ahead of growth
- Buying out a partner
How repayment works
Fixed payments over months or years; lenders set the rate from your revenue, time in business and credit.
Is it a fit?
Established businesses with a clear plan for the money.
Are you a match?
Lender network minimums
Each lender sets its own criteria for business term loans. These are the lowest minimums in our network. Close but not quite there? Apply anyway and we will tell you honestly what is possible.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
| Time in business | 1 year+ |
|---|---|
| Monthly revenue | $15,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
How it works
Three steps from application to funding
Tell us what your business needs.
A few questions and your contact details. No documents and no credit pull yet.
One application. Many lenders.
Every lender looks for something different. We line you up against each one so you only talk to the ones likely to say yes.
Pick the offer. Get the money.
You choose. The lender approves and sends the money straight to your business account.
FAQ
Business Term Loans questions
Who is business term loans for?
Established businesses with a clear plan for the money.
How is business term loans repaid?
Fixed payments over months or years; lenders set the rate from your revenue, time in business and credit.
Does CELER Funding lend the money?
No. We match you with independent lenders and funding companies. They approve, fund and set the terms.
Does it cost me anything?
No. We never charge you a fee. Lenders may pay us a referral fee when a deal closes, and that never changes the price they offer you.
Will applying hurt my credit?
Our intake does not pull your credit. Some lenders do a soft pull to pre-qualify you; a hard pull only happens if you choose to move forward with a specific lender, and they will tell you first.
Other options
Other funding options
Working Capital
Cash for payroll, inventory and the slow months, so day-to-day never stalls.
Great for: Businesses with steady monthly deposits that need cash quickly.Learn more →Business Line of Credit
Draw what you need, when you need it, and pay interest only on what you use.
Great for: Businesses that want flexible access to cash rather than one lump sum.Learn more →Equipment Financing
Buy the ovens, trucks, machines and POS hardware you need and pay over time.
Great for: Any business buying equipment that holds its value.Learn more →See your business term loans options
Two minutes, no credit pull, no fee. We come back with real options from lenders that fit.