Small Business Term Loans — Fixed Payments, Predictable Funding

term loan approvals through our network typically come back within 1–3 business days.

The 60-second take

A term loan gives you the full amount up front and a fixed repayment schedule — monthly or weekly — over one to ten years. You know the payment before you sign, and it never moves. That predictability is why it's the product our borrowers choose most when the project has a known price tag: a build-out, a bulk inventory buy, a marketing push, a refinance.

Here's what most borrowers don't know: there are two lanes — bank term loans (cheaper, slower, stricter) and non-bank term loans (faster, more flexible, costlier). When you apply through our partner, both lanes run in parallel. You see what you actually qualify for across the spectrum, then choose.

Who it's right for

• Owners funding a defined project with a known cost
• Businesses with 6+ months of history and steady monthly revenue
• Borrowers consolidating shorter-term or daily-payment debt into one fixed monthly payment
• Owners who want the certainty of a payment that never changes

Typical 2026 terms through our network

Unsecured working capital

Most term loans through our network under $500K are unsecured — no specific collateral pledged, just a standard personal guarantee. If you've been searching for "unsecured working capital," this is the product you're looking for: same fixed-payment structure, no lien on your equipment or property, approvals driven by bank-statement cash flow rather than assets.

What you'll need when you apply

Three to four months of business bank statements, your EIN and ID, and basic revenue figures. Larger amounts (roughly $250K+) usually add a tax return and a P&L. That's typically the whole file for the non-bank lane.

Why borrow this through No Fee Funding

No fees to you. Our compensation comes from the lending side — your rate is your rate. Both lanes, one application. Bank and non-bank offers compared side by side instead of applying twice. Track record. 50,000+ businesses funded and $5B+ facilitated since 2007.

Frequently asked questions