Lump-sum capital for growth, acquisition, or major investment — with fixed payments and long repayment terms at true bank rates. We manage the entire process from file preparation through to funding.
Need flexible revolving access instead?
See Line of Credit →A business term loan provides a fixed lump sum of capital upfront, repaid in fixed monthly installments over a set period — typically 10 years. It is ideal for growth, acquisition, or major investment with fixed payments and long repayment terms at true bank rates.
Term loans are ideal for one-time investments where you know exactly how much capital you need — buying equipment, acquiring another business, funding an expansion, or refinancing existing higher-cost debt into a lower bank rate.
Alternative lenders and MCAs market themselves as "fast and easy" — but the true cost is rarely disclosed clearly. A business term loan from a bank at 8% vs. a short-term alternative lender at 40%+ is not a minor difference.
On a $500,000 loan over 5 years, the difference between a bank rate and an alternative lender rate can exceed $150,000 in total repayment cost. That's money that should stay in your business.
Both products are available through VIP Bank Funding at true bank rates. Here's how to choose.
| Term Loan | Line of Credit | |
|---|---|---|
| How You Receive Funds | Full lump sum upfront | Draw as needed |
| Best For | One-time investments | Ongoing cash flow needs |
| Repayment | Fixed monthly payments | Interest on what you draw |
| Term Length | 5 – 10 years | 2 – 5 years |
| Loan Amounts | $100K – $10M+ | $50K – $5M |
| Revolving | No — one-time draw | Yes — reuse as you repay |
| SBA Option | Yes | Limited |
Not sure which is right for you? Book a free consultation — we'll recommend the best option for your situation.
Term loans are the go-to product for significant, planned investments with a clear purpose and return.
Purchase an existing business or buy out a partner with structured long-term financing.
Finance machinery, vehicles, technology, or specialized equipment with long repayment terms.
Open a new location, purchase commercial property, or fund a major renovation project.
Replace high-cost MCA or alternative lender debt with a bank rate term loan and dramatically cut your cost of capital.
Hire a sales team, launch into new markets, or fund a major product or service expansion.
Build a financial cushion to stabilize operations, weather slow seasons, or prepare for large contracts.
Full service from first review to funded — we handle every step.
We review your tax returns, credit report, and debt schedule — the same lens banks use — so we understand your exact position before approaching any institution.
If your credit profile needs work, we identify the fastest-impact steps to improve your score before applying — maximizing your approval odds and the rate you receive.
We match your file to the right bank program based on your industry, state, loan size, and financials — including banks that approve files most institutions decline.
We put you directly in contact with our personal representative at the bank — bypassing the general queue and going straight to the top of the pile.
Before every bank conversation, we prepare you on what to say, what to expect, and how to present your business in the strongest possible light.
We handle all paperwork, follow-up, and negotiation until funds are in your account. Simple files in as little as 10 days. Complex files in 4–6 weeks — up to 3x faster than going alone.
Banks assess your financial history, credit, and business stability when approving term loans. The larger the loan, the more thorough the review — which is exactly why having a consultant manage the process matters.
If you've been declined before, we frequently find programs that fit where others couldn't. Our job is to find the right bank and the right program for your specific file.
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