Business Term Loans
Lending Guidelines
We offer traditional working capital loans with great
rates and up to 1-4 years to repay. Our lender is a leading online lender that works closely with partners to provide the best credit financing solutions for our clients.
Why a business term loan...
This is a conventional fixed rate loan in amounts of between $20,000 and $500,000. We also have a FAST TRACK loan program were we can provide a loan of between $20,000 to $100,000 and all we need is an application and the last four months bank statements and can have an answer in 24-48 hours and fund shortly after the approval.
The application takes less than 10 minutes and funding can be available in as little as 3 days. This is a great program for clients in a wide variety of industries. A sample of the Industries and the restricted industries are listed below
Included Industries: move this to the next column
This direct lender has certain industries and business types that they are unable to fund.
Examples include:
Additionally, they cannot lend to businesses in North Dakota, South Dakota, or Nevada.
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This is not an offer to lend. All offers of credit are subject to due diligence, underwriting and approval. Not all borrowers will qualify and not all borrowers that qualify will receive the lowest rate or best terms. Actual rates and terms depend on a variety of factors and are subject to change without notice.
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Business Term Loans
Fixed-rate working capital loans with predictable payments and terms up to 4 years. Application takes less than 10 minutes. Funding available in as little as 3 days.
What Is a Business Term Loan?
A business term loan is a conventional fixed-rate loan designed for established businesses that need working capital with a predictable repayment structure. Unlike revolving credit lines, a term loan provides a lump sum that is repaid over a set period with fixed monthly payments, making it straightforward to budget and plan around.
These loans are ideal for businesses that need capital for expansion, inventory, equipment, hiring, or operational improvements but prefer the stability of knowing exactly what their payment will be each month. On Top Funding works with leading online lenders to provide competitive rates and fast approvals for qualified borrowers.
We also offer a FAST Track option for smaller loan amounts, designed for businesses that need quick access to capital with a streamlined approval process. Whether you need $20,000 or $500,000, our team will match you with the right program based on your business profile and capital needs.
Key Benefits
Fixed Monthly Payments
Know exactly what you owe each month. Fixed rates eliminate the uncertainty of variable-rate products and allow for more accurate cash flow forecasting.
Fast Funding
The application takes less than 10 minutes and funding can be available in as little as 3 days. No lengthy underwriting timelines or excessive paperwork.
Flexible Use of Funds
Use capital for working capital, inventory, payroll, equipment, marketing, expansion, or any legitimate business purpose. No restrictions on how funds are deployed.
No Collateral Required
Many of our term loan programs do not require hard collateral, relying instead on business performance and cash flow to qualify borrowers.
FAST Track Option
For smaller capital needs, our FAST Track program provides an expedited approval and funding process with reduced documentation requirements.
Competitive Rates
We work with multiple lending partners to match you with the most competitive rate available for your credit profile, revenue, and time in business.
Loan Criteria
| Criteria | Details |
|---|---|
| Loan Amount | $20,000 to $500,000 |
| Loan Type | Conventional fixed-rate term loan |
| Term | 1 to 4 years |
| Rate Structure | Fixed rate for the life of the loan |
| Funding Speed | As fast as 3 business days after approval |
| Application Time | Less than 10 minutes |
| Collateral | Not required for most programs |
| Use of Funds | Working capital, expansion, inventory, equipment, payroll, marketing, and other business purposes |
Included Industries
Our lending partners serve a wide range of industries. Below are commonly approved business types.
Excluded Industries
Our direct lending partner is unable to fund businesses in the following categories:
This lender cannot fund businesses located in North Dakota, South Dakota, or Nevada.
Who Is This For?
Established Small Businesses
Companies with consistent revenue that need a lump sum of capital for growth, operations, or strategic investments with a fixed repayment schedule.
Seasonal Businesses
Businesses that need to stock inventory, hire staff, or invest ahead of their peak season and repay from the revenue generated during that period.
Growing Companies
Businesses ready to expand into new locations, add equipment, or increase marketing spend and need structured capital to fund the next phase.
Professional Service Firms
Law firms, accounting practices, medical offices, and engineering firms that need working capital to manage cash flow gaps or invest in growth.
Our Process
Quick Application
Complete the online application in under 10 minutes. We collect basic business information, revenue figures, and your capital needs.
Review and Matching
We review your application and match you with the lending program that offers the best rate and terms for your business profile.
Approval
Receive a formal approval with your loan amount, rate, term, and monthly payment. No surprises or hidden fees in the offer.
Funding
Once you accept the terms, funds are deposited directly into your business bank account in as little as 3 business days.
Ready to Get Started?
Apply in under 10 minutes. Our team will match you with the right term loan program and have funds ready in as little as 3 days.
On Top Funding is a commercial lending advisory firm. We are not a direct lender. All loan programs are subject to lender approval, borrower qualification, and market conditions. Terms, rates, and availability are subject to change without notice. This page is for informational purposes only and does not constitute a commitment to lend or a guarantee of any specific terms.