Term Loans
See What You Qualify For in 60 Seconds
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See What You Could Qualify For
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Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners
70+ vetted lending partners competing for your business
How It Works
How Term Loans Work
You receive a lump sum and repay in fixed monthly installments over the agreed term (1-5 years). Interest rates are fixed at origination. Payments are predictable and consistent, making budgeting straightforward.
Best For
Ideal Use Cases for Term Loans
Real Scenarios
Who Uses Term Loans?
These are the kinds of situations where term loans make the most sense.
Dental Practice Expansion
A dentist takes a $250K term loan to build out two additional operatories and hire a hygienist, repaying in fixed monthly installments over four years.
Debt Consolidation for a Retailer
A multi-location retailer consolidates three high-cost working capital advances into a single $300K term loan, cutting monthly payments by forty percent.
Warehouse Buildout
A wholesale distributor borrows $500K to add racking, climate control, and a loading dock to their existing warehouse, budgeting fixed payments against steady revenue.
Marketing Agency Hiring Spree
A digital marketing agency secures $150K to hire five new account managers and fund three months of salaries before new client revenue ramps up.
Fleet Vehicle Purchase
A plumbing company takes a $200K term loan to purchase four new service vans, spreading the cost over three years with predictable monthly payments.
Technology Infrastructure Overhaul
An accounting firm borrows $80K to upgrade servers, workstations, and cybersecurity systems across two offices, paying monthly over two years.
Full Transparency
Pros & Cons of Term Loans
We believe in full transparency. Here's what you should know.
✅ Advantages
⚠️ Considerations
What It Actually Costs
Term Loan Pricing - Full Transparency
Interest Rate: 7% - 25% APR (typical range)
Terms and Structure:
Fees
Origination fees of 0-3%. No prepayment penalties with most lenders in our network.
Term Loans vs Working Capital
Term loans offer lower rates and monthly payments but take slightly longer to fund (2-7 days vs same day). Best for planned investments where you don't need emergency-speed funding.
Typical Cost Examples
Rates shown are typical ranges from lenders in our network. Term loans offer a middle ground between fast working capital and slow SBA loans - competitive rates with funding in days, not months.
Full Transparency
Is Term Loans Right for You?
Honest answer. Not every product is the right fit. Here's how to tell.
✅ Good Fit If…
🚫 Consider Something Else If…
Compare
How Term Loans Compare
Side-by-side look at how this product stacks up against alternatives.
Ready?
See What You Qualify For. No Credit Impact.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Industries
Popular in These Industries
Term Loans are a top choice for business owners in these sectors.
Related Products
You Might Also Need
Many businesses combine multiple products to cover different needs.
SBA Loans
For the lowest possible rates, SBA loans offer 5-25 year terms — if you can wait 30-60 days.
Learn More →Equipment Financing
Purchasing equipment? The asset as collateral often unlocks lower rates than unsecured term loans.
Learn More →Business Line of Credit
If you need ongoing access rather than a one-time sum, a line of credit offers more flexibility.
Learn More →Free Tools
Try Our Free Calculators
Estimate costs, compare products, and see what you could qualify for — no email, no signup.
Loan Cost Calculator
Calculate total cost, payments, and APR for any loan product.
Try Calculator →Qualification Estimator
See what you could qualify for based on your business profile.
Try Calculator →Commercial Funding Calculator
Model packages from $500K to $10M across multiple products.
Try Calculator →FAQs
Term Loans FAQs
Business Term Loans - Fixed Monthly Payments from 70+ Lenders
Business term loans from Basecamp Funding's network of 70+ lending partners provide lump-sum capital with predictable fixed monthly payments over 1-5 years. Typical amounts range from $25K to $5M with APRs from 7% to 25% depending on business profile.
Business owners use term loans for planned expansions, major equipment purchases, renovations, hiring, and strategic investments. Unlike working capital with daily payments, term loans offer monthly repayment schedules that are easier to budget. One 60-second application, no hard credit pull, no minimum credit score. Most approvals in 2-7 business days.
“$250K term loan to open a second location. Fixed monthly payments made budgeting easy. Funded in 5 days.”
Carlos M.
Auto Repair Shop | San Antonio, TX
The Only Risk Is Not Knowing What's Available to You
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