Business Term Loans

A simple, low-cost way to fund business growth

(888) 811-6101
Business Term Loans are the most common way small businesses obtain funds to make significant capital investments. You have probably heard them referred to simply as "small business loans." King Capital is the ideal choice for a Business Term Loan, because we have access to a wide array of lenders with fixed and variable-rate options and terms to meet your specific funding needs and cash flow.

Advantages of a
King Capital Business Term Loan

Fast approvals

In as little as 2 hours!

Low rates

You benefit from lower loan costs and higher borrowing amounts than many small business financing options.

Flexible programs

You can choose the predictability of a fixed rate, or possible savings with a variable rate that changes with the market, as well as flexible terms from 3 months to as long as 10 years.

No personal guarantee required

Funding amounts from $10,000 to $2 million

Immediate cash

Get the funds you need right away

How it works

With a Business Term Loan from King Capital, you receive a lump sum payment up front. You pay it back with regularly scheduled payments over a fixed term (length of time).

Your monthly payment amount includes interest, which can remain the same (fixed rate) or change (variable rate) over the length of the loan term. Fixed rate loans are most commonly chosen, because they allow for predictable budgeting and stability. A variable rate will change periodically, usually with the Prime Rate. Depending on the program, you may be able to pay your loan off early without penalty, saving significant interest.

You will need excellent credit to qualify for a Business Term Loan. However, they generally come with the lowest costs, highest loan amounts and longest available terms of financing programs designed for small businesses.
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Is a Business Term Loan the right choice for me?

If you are looking to make a sizable investment to grow your business and have established a strong credit rating, a Business Term Loan with King Capital may be your ideal choice of financing.

These longer-term loans are typically used to fund major capital improvements that will boost your revenue potential, such as new equipment or increased inventory. They can also be used to consolidate higher-interest debt into a single loan with a lower rate, lower payment and longer term. They are not designed to solve short-term financing needs such as meeting cash flow during a business down-turn.

How to apply


How to apply

You'll need to provide 3 months of business bank statements with your application.


Call or complete our Online Application

To get started, you can complete and submit our Online Application or simply give us a call at (888) 811-6101.


We'll do the rest!

Our small business lending experts will gather and review your information and contact you to explain the options available to you and ensure the approval process is fast and easy!