Trusted by Businesses Nationwide
Types of Business Term Loans
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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.
Grow Your Business With Capixa?
FAQs About Business Term Loans
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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.
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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.
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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.
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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.
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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!
Grow Your Business With Capixa?