A term loan gives you a lump sum up front that you repay on a fixed schedule over a set term. It suits a planned investment, like equipment, an expansion or a large purchase, where you know what you need and when you need it.
Lump sum up frontFixed repayment scheduleFor planned purchases
Apply once, agree on a repayment schedule, and receive the full amount up front.
A short application and your last 4 months of business bank statements. That’s it. Your advisor handles everything from there.
Our capital formation experts evaluate your business. We listen first, then set the amount and terms with you.
Sign your contract and receive your funds as one lump sum. Then repay on the agreed schedule until the term ends.
A term loan is a lump sum of capital that you repay on a fixed schedule over a set term.
You receive the full amount up front, then make regular payments until the loan is paid off. Because the schedule is set from the start, you can plan around each payment and see the end in sight.
Term loans work best for a planned investment, such as equipment, an expansion or a large purchase. If your expenses are ongoing or hard to predict, a revolving option may fit better.
If you checked these boxes, you’re closer to funding than you think.
Equipment, new space, big purchases, and planned projects.
The basics, answered honestly. For anything specific to your business or timing, an advisor is one call away.
You receive a lump sum up front and repay it on a fixed schedule over a set term. When the last payment is made, the loan is done.
It depends on your business and your plan. Your advisor looks at revenue, time in business and the overall health of your business, then talks through what fits your needs.
A term loan pays out once and you repay it on a schedule. A line of credit stays open and you draw, repay and draw again. Term loans suit planned investments, and lines suit ongoing expenses.
The cost depends on the amount, the structure and your business. Your advisor goes over the full cost with you before you sign anything.
It depends on the loan. Some are secured by business assets and some are unsecured. Our capital formation experts explain any guarantee terms before you sign.
If your bank said no, that doesn’t mean we will. We weigh time in business, monthly revenue, credit and collateral together, not one factor alone. As a guide, businesses with 6 or more months of operating history, $10,000 or more in monthly revenue and a FICO score of 500 or higher are typically considered. The fastest way to know is a short call with an advisor.
Just the application and your last 4 months of business bank statements. Most business owners finish in minutes. Your advisor may ask for more before an offer is final, and tells you exactly what and why before you send anything.
Tell an advisor what you’re investing in and how you’d like to repay.
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Creative Capital Solutions provides business-purpose financing. All financing is subject to review, approval and final documentation. Product availability, amounts, terms and timing vary by applicant. This website does not promise approval, a specific rate or a funding outcome.
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