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SUITED FOR YOUR NEEDS

Business
Term Loans

Achieve your business goals with Capixa’s term loans, designed to provide the capital you need for growth, expansion, and stability.

TO QUALIFY FOR FUNDING, YOUR BUSINESS SHOULD HAVE:
  • Minimum 12 months in business
  • Minimum of $360,000 in annual revenue
  • Business Checking Account

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Trusted by Businesses Nationwide

Types of Business Term Loans

  • Short-Term Business Loans

    Short-term business loans offer quick access to funds and are typically repaid within 3 to 18 months. These loans are ideal for immediate financial needs, such as covering unexpected expenses or managing seasonal cash flow fluctuations.

  • Long-Term Business Loans

    Long-term business loans are designed for significant investments and have repayment terms that span several years. These loans are perfect for large-scale projects like expanding your business, purchasing real estate, or upgrading major equipment.

  • Secured Business Term Loans

    Secured term loans require collateral, such as business assets or property, to back the loan. They often come with lower interest rates and higher borrowing limits, making them a great option for businesses with valuable assets to pledge.

  • Unsecured Business Term Loans

    Unsecured term loans don’t require collateral, relying instead on your creditworthiness and business performance. While they may have higher interest rates, they’re ideal for businesses seeking quick and straightforward funding without risking assets.

  • SBA Term Loans

    SBA term loans are partially guaranteed by the Small Business Administration and offer attractive terms, including low interest rates and extended repayment periods. These loans are ideal for small businesses seeking affordable financing options for growth or stability.

  • Equipment Financing Loans

    Equipment financing loans are tailored for purchasing or leasing business equipment. The equipment itself serves as collateral, often leading to competitive rates and flexible terms. These loans are perfect for businesses needing to invest in tools, machinery, or technology.

  • Working Capital Loans

    Working capital loans provide short-term funding to cover day-to-day operational costs like payroll, rent, or utilities. They’re a reliable choice for businesses needing to bridge cash flow gaps during slower revenue periods.

  • Merchant Cash Advance Loans

    Merchant cash advance loans provide upfront funds in exchange for a percentage of future sales. They’re best suited for businesses with steady, daily revenue streams looking for flexible, fast funding solutions.

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Why Choose Capixa for Your Business Term Loan?

We specialize in offering personalized business term loan solutions to address businesses’ unique challenges when requesting a business term loan from equipment purchases to business expansion.

With a proven track record of success stories from business professionals, competitive terms, and industry-specific expertise, Capixa is committed to helping you grow your business and improve your revenue.

I’m thrilled with Capixa team support in securing funding for my business

Read full testimonial +
Richie
RBFine Arts Inc

Capixa’s financial wizardry secured us $200,000 in funding.

Read full testimonial +
Brad
S2M Solutions LLC

Capixa team is an indispensable asset to my business.

Read full testimonial +
Neil
Freylit USA Inc.

The Capixa team is pivotal to my business’s growth.

Read full testimonial +
Alina
Z A Nails Bar LLC

Capixa’s quick funding was our lifeline during a financial crisis my business suffered.

Read full testimonial +
Grace
Innovate Insurance Agency, Inc

We secured $75,000 in 24 hours, thanks to Capixa’s expertise.

Read full testimonial +
Kevin
KW1 LLC

Capixa’s guidance is our secret for better business decisions.

Read full testimonial +
Chris
Chris Foster Automotive Repair Inc

Capixa’s expert debt consolidation saved our business from financial crisis.

Read full testimonial +
Louis
Professional Plumbing Services Inc
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FAQs
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FAQs About Business Term Loans

  • What is a business term loan?

    A business term loan is a lump sum of capital you repay over a fixed period with predictable monthly payments.

    It’s a reliable option for businesses that need funding for specific projects, investments, or growth goals — providing immediate access to funds without disrupting your cash flow.

  • How long does it take to receive funds?

    At Capixa, we aim for speed. Many of our customers receive funds within one business day of approval, so you can start using the capital immediately.

  • What can I use my business term loan for?

    Our term loans are flexible, so you can use the funds for various business needs: equipment purchases, expansion projects, inventory restocking, marketing campaigns, and more.

  • Are there any fees for applying?

    There are no application fees. Your consultation with Capixa is completely free, and any cost discussions will be transparent with clear terms provided before you sign anything.

  • How do I apply for a term business loan?

    Here’s how:

    • Submit your online application — no application fee, no impact on your personal credit, and no obligation to accept the offer.
    • Within 1 hour, your dedicated account manager will reach out to learn more about your business, review documentation, and discuss terms that fit your needs.
    • We review your application and present financing options within 6-12 hours.
    • If you’re satisfied with the offer, you could receive funding as soon as the same day.
    • Need additional financing later? Return anytime to seize new growth opportunities!
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