Skip to content
⚡ Same-day funding 📞 (516) 363-2658
Bolt Funding
Apply Now ⚡
Same-day funding available ★★★★★ 4.9/5 · 847 Google reviews

Business Term Loans
$25K – $2M

Lump-sum financing from $25K to $2M with fixed payments over 1 to 10 years.

  • ✓ Amounts: $25K – $2M
  • ✓ Term: 1 – 10 years
  • ✓ Speed: 2 – 7 days
  • ✓ Min credit: 620+ · Min time in biz: 12 months
$2.4B+
funded to date
38,000+
businesses funded
92%
approval rate
Talk to a funding expert Or apply below ↓

Apply for Business Term Loans

No upfront fees. Soft credit pull only.

⚡ Funded in 24 hrs 🔒 Soft credit pull ✓ 92% approved
Step 1 of 5 · 20% complete

Last step — where should we send your offer?

A funding specialist will review your information and call you within minutes.

By clicking "Get My Offer" you agree to be contacted by Bolt Funding by phone, SMS or email regarding your inquiry. Consent is not required for purchase. Msg & data rates may apply.

Or call us directly: (516) 363-2658

⚡
24-Hour Funding
Same-day for MCA
⚡
A+ BBB Rating
Accredited business
⚡
No Upfront Fees
Apply free
⚡
Soft Credit Pull
Won't hurt your score

What is business term loans?

A business term loan is the classic small-business loan: a fixed amount of money up front, a fixed monthly payment, a fixed term. Predictable, traditional, and great for planning.

When you know exactly what you need the money for and you want predictable monthly payments instead of daily debits, a term loan is the answer. Bolt offers term loans from 1 to 10 years, with rates that drop dramatically as your credit profile and time in business improve. Common uses: opening a second location, paying for a major equipment overhaul, funding a marketing push, or rolling up multiple short-term debts into one manageable payment.

Why business owners choose Term

  • ✓ Predictable fixed payments
  • ✓ Longer terms than MCA
  • ✓ True APR — easier to compare
  • ✓ Often unsecured up to $250K
  • ✓ Builds business credit

Things to consider

  • ! Requires 12+ months in business
  • ! Slower than MCA
  • ! Personal guarantee on most deals

Who it's best for

ExpansionBuildoutsMarketing campaignsOne-time projects

From application to funded in 24 hours

No bank-style runaround. Just real money, fast.

1

Apply in 60 seconds

Tell us how much you need, how long you have been in business, and your monthly revenue. No documents, no credit pull.

2

Get matched & approved

Our team shops your file across 75+ lenders and brings you the best offer within hours — often in minutes.

3

Sign & get funded

Pick the offer you like. Sign digitally. Most deals are funded in 4 – 24 hours, same day for MCAs submitted before 11am ET.

Business Term Loans FAQ

How is a term loan different from an MCA?

+

A term loan has a fixed monthly payment and a true interest rate (APR). An MCA has daily/weekly debits and is sold using a factor rate. Term loans cost less but are harder to qualify for.

Can I pay off a term loan early?

+

Most of our term loan products have no prepayment penalty after month 6. A few have a small early-payoff discount built in.

Other Bolt Funding products

Merchant Cash Advance

$5K – $2M · Same day – 24 hours

Same-day funding against future sales. No collateral. All credit considered.

SBA Loans

$50K – $5M · 30 – 60 days

SBA 7(a) and 504 loans up to $5M. Terms up to 25 years. The lowest cost of capital in the market.

Business Line of Credit

$10K – $500K · 24 – 72 hours

Revolving credit up to $500K. Draw what you need, pay interest only on what you use.

Equipment Financing

$10K – $5M · 24 – 72 hours

Up to 100% financing on trucks, machinery, tech, restaurant equipment and more.

ERC Advance Funding

$25K – $5M · 5 – 10 business days

Don't wait 12 months for the IRS. Get up to 90% of your ERC credit in 5 days.

Commercial Real Estate Loans

$100K – $25M · 21 – 60 days

Owner-occupied and investor CRE loans up to $25M. SBA 504, conventional, and hard money.

Get funded with Term today.

Apply free. Funded in 2 – 7 days.

Apply Now ⚡ 📞 (516) 363-2658