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Business Term Loans 

​Term loans are a standard debt financing facility with standard payments (usually monthly) with a maturity and amortization schedule, ranging from anywhere in 6 months to 30 years in length (depending on use). Term loan sizes for small and medium-sized businesses can be as small as a few thousand dollars, and can range up to $5,000,000 for loans with SBA-enhancements, and well above that for other traditional facilities.

The repayment associated with most term loans are made monthly, although some alternative lenders will require payback be made on a weekly or even daily basis.

Term loans vary in size, structure and uses depending upon the commercial lending institution. A term loan from a bank may have a very different underwriting criteria than that of a mid prime lender that specializes in buying-out high-interest merchant cash advances. Term loans are usually collateralized with the borrowing company’s assets (building, land, equipment, accounts receivable, cash flow, etc.). While each lender has their own requirements, its common for a blanket lien to be placed on all the company’s assets when a term loan is provided to the business.
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While each lender is different, a term loan provided by a conventional, private investment bank or SBA-preferred lender usually requires and extensive amount of business and personal financial documentation for due diligence during the underwriting of the loan. Traditional commercial lenders will require that the business prove it has an acceptable debt-service-coverage-ratio to ensure the lender will get paid back.
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Business Term Loans 
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This is not an offer to lend or extend credit. Credit approval is subject to credit standards, and actual terms (including actual loan amount) may vary by applicant. Advisory Services USA requires certain supporting documentation with each new application and offers no guarantee of funding or loan offers and the terms thereof.  All Loan decisions are made by our lending partners and subject to their specific underwriting criteria and approval processes. 
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  • #1 Ranked
  • Loan Menu
    • Free Quote
    • Business >
      • Reverse Consolidation
      • Line of Credit
      • Cash Advance
      • Term Loans
      • SBA Loans
    • Asset Based >
      • Debt Restructuring
      • Equipment Sale - Lease Backs
      • Equipment Secured Term Loans
      • Equipment Loans
      • Invoice Factoring
      • Secured Line of Credit
      • Securities Based Loans
      • No Doc - Secured Term Loans
    • Real Estate >
      • Bridge Loans
      • Commercial Loans
      • Construction Loans
      • Second Mortgage
  • Services
    • Partner with us
    • Crypto Strategies
    • Credit Repair
    • Free Consult
    • Loan Modifications
    • Online Form Builder
  • Our Blog
Business Term Loans 
are a standard debt financing facility with standard payments (usually monthly) with a maturity and amortization schedule, ranging from anywhere in 6 months to 30 years in length (depending on use). Term loan sizes for small and medium-sized businesses can be as small as a few thousand dollars, and can range up to $5,000,000 for loans with SBA-enhancements, and well above that for other traditional facilities.

The repayment associated with most term loans are made monthly, although some alternative lenders will require payback be made on a weekly or even daily basis.

Term loans vary in size, structure and uses depending upon the commercial lending institution. A term loan from a bank may have a very different underwriting criteria than that of a mid prime lender that specializes in buying-out high-interest merchant cash advances. Term loans are usually collateralized with the borrowing company’s assets (building, land, equipment, accounts receivable, cash flow, etc.). While each lender has their own requirements, its common for a blanket lien to be placed on all the company’s assets when a term loan is provided to the business.
​
While each lender is different, a term loan provided by a conventional, private investment bank or SBA-preferred lender usually requires and extensive amount of business and personal financial documentation for due diligence during the underwriting of the loan. Traditional commercial lenders will require that the business prove it has an acceptable debt-service-coverage-ratio to ensure the lender will get paid back.
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