Business Term Loans
Need a lump sum for growth or a large purchase? A term loan gives you fixed payments and a clear payoff date. Get matched with lenders and compare offers — free to apply, no hard credit pull.
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BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
What a term loan is
A term loan gives you a single lump sum upfront that you repay over a set period — months to years — on a fixed schedule. Unlike an advance against sales, you know your payment and payoff date from day one, which makes it well-suited to planned investments.
What businesses use term loans for
- Expanding or opening a new location
- Large one-time purchases or projects
- Hiring and ramping up for growth
- Consolidating higher-cost debt
- Buying inventory or equipment in bulk
Short-term vs. long-term
Short-term loans (a few months up to ~2 years) fund quickly and suit near-term needs, with higher payments. Longer terms spread payments out for bigger investments at a lower monthly cost. The right fit depends on what you're funding and your cash flow.
What lenders look at
- Monthly revenue and deposits
- Time in business
- Credit profile and cash-flow consistency — stronger profiles unlock larger amounts and better terms
Term loan vs. line of credit
A term loan gives you a lump sum repaid on a fixed schedule — best for a single, planned expense like an expansion or equipment purchase. A line of credit lets you draw and repay repeatedly, paying interest only on what you use — best for ongoing or unpredictable needs. Many businesses use both: a term loan for the big project, a line of credit as a flexible backstop.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
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Finance equipment, machinery, and vehicles using the equipment itself as collateral. Easier approval, preserve cash. Compare offers, no hard credit pull.
Need capital now? Get matched with lenders offering same-day decisions and funding in as little as 24 hours. Apply free, no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
