Who This Is For
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Established businesses (3+ years)
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Companies with strong credit (700+)
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Businesses with consistent profitability
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Companies seeking absolute lowest rates
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Businesses making large investments
Key Benefits
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Lowest Rates
5-12% for qualified borrowers
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Long Terms
Up to 20+ years available
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Banking Relationship
Build long-term partnership
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Best Terms
Most favorable overall
Common Use Cases
Real estate purchases
Major business expansions
Large equipment acquisitions
Refinancing debt at lower rates
Acquiring another business
Major renovations
Pros & Cons
thumb_up Advantages
- • Lowest interest rates (5-12%)
- • Longest terms available
- • Strengthens banking relationships
- • Most favorable terms overall
- • Best for maximizing capacity
info Considerations
- • Strictest qualifications
- • Lengthy approval (2-8 weeks)
- • Extensive documentation
- • Collateral typically required
- • Personal guarantee standard
compare_arrows vs. Alternative Business Loans
- ✓ Significantly lower rates (50%+ cheaper)
- ✓ Longer approval but better terms
- ✓ Stricter requirements but worth it
- ✓ Professional banking benefits
- ✓ Better for large, long-term needs
Typical Terms
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Amount
$100,000 - $10,000,000+
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Funding Speed
2-8 weeks
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Rates
5% - 12% APR
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Term Length
36 - 240+ months
Minimum Qualifications:
- check 3+ years in business
- check $500K+ annual revenue
- check Personal credit 700+
- check Demonstrated profitability
- check Strong financials
No impact to your credit score