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Business Funding

Term Loans

Lump-sum capital for general business needs.

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At a Glance

Funding Amount $10,000 - $2,000,000
Term 1 to 10+ Years
Overview

The Angel Funding Advantage

A term loan gives you a one-time lump sum of capital repaid in fixed installments over a set schedule — the most predictable way to finance a defined investment. Because the payment never changes, you can budget around it with confidence and build business credit history with every on-time payment.

Checking your options starts with a soft credit pull, so exploring offers never impacts your personal credit score.

  • Predictable fixed payments
  • Terms up to 10+ years
Term Loans
The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

1

Application

Our advisors handle this step for you and keep you informed at every stage.

2

Automated Underwriting

Our advisors handle this step for you and keep you informed at every stage.

3

Offer Selection

Our advisors handle this step for you and keep you informed at every stage.

4

Funding

Sign the loan agreement digitally.

Who Qualifies?

  • Minimum annual revenue of $100,000
  • Personal credit scores starting at 625+ (650+ unlocks larger amounts and longer terms)
  • Business checking account with positive ending balances

Why Choose This Option

  • Fixed installments (monthly, weekly, or daily depending on profile) make cash flow planning easy.
  • Soft-pull pre-qualification: checking offers never impacts your personal credit score.
  • On-time payments are reported, building your business credit profile for cheaper future capital.
Common Scenarios

How businesses use Term Loans

Inventory Purchasing

Buying bulk inventory ahead of a busy season to capture supplier discounts before demand peaks.

Expansion & Renovation

Opening a second location, renovating your storefront, or building out new capacity.

Hiring & Payroll

Covering payroll for new hires or a sales team ramp while revenue catches up.

Debt Consolidation

Rolling multiple high-cost advances or daily-payment loans into one predictable fixed installment.

FAQ

Frequently Asked Questions

Get the facts on Term Loans.

Are payments made daily, weekly, or monthly?
It depends on your risk profile and the product. Stronger credit and longer terms typically qualify for monthly payments, while shorter-term working capital loans may use weekly or daily ACH deductions.
How is a term loan different from a line of credit?
A term loan is a one-time lump sum with a fixed payoff schedule — ideal for a defined investment. A line of credit is revolving capital you draw and repay as needed. Many clients pair the two.
Does applying affect my credit?
No. We generate your offers with a soft credit inquiry only, which has zero impact on your personal credit score. A hard pull only occurs if you accept an offer that requires one.
Do I need to pledge real estate as collateral?
No. These loans are underwritten on your business cash flow and typically require only a standard UCC lien on the business and a personal guarantee — no real estate pledge.
Can I get a term loan if I already have an MCA?
Yes. Depending on your cash flow, we can often provide a term loan to consolidate and pay off existing Merchant Cash Advances, replacing daily debits with one fixed payment.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call