Term Loans

Lump-sum capital for bigger moves

Short-term loans between $10,000 and $10,000,000 with repayment options up to 10 years.

Why choose a term loan

Lump-sum funding with a predictable payoff schedule — built for investments that need upfront capital.

Predictable fixed payments

Set schedule, set amount. No surprises, easy to budget around.

Fund large expenses upfront

Get the full amount in one disbursement to tackle bigger projects right away.

Competitive rates

Transparent pricing based on your credit profile, time in business, and revenue.

Fast funding decisions

Same-day approvals for qualified applicants with no hard credit inquiry at pre-qualification.

How it works

Three steps from application to funded.

Apply

Complete a short online application in a few minutes — no hard credit pull to get started.

Get matched

Your dedicated loan advisor reviews your profile and presents terms tailored to your business.

Receive funds

Sign your loan agreement and receive a lump-sum deposit directly to your business account.

Frequently Asked Questions

What you need to know before you apply.

What can I use a term loan for?

Term loans can cover a wide range of business expenses — starting a new project, expanding operations, purchasing inventory, hiring staff, or handling unexpected expenses. With Lendflow Capital, you’ll benefit from competitive rates and transparent pricing, so you always know the total cost of capital.

How long does approval take?

Same-day approvals are common for qualified applicants. While short-term loans are typically repaid in a year or less, Lendflow Capital offers repayment terms up to 60 months, giving you flexibility in how you structure the payoff.

What documents do I need?

Typically you’ll need recent business bank statements, a government-issued ID, and basic business information (legal structure, EIN, time in business). Your dedicated loan advisor will confirm exactly what’s needed based on your loan amount and profile.

How are term loan amounts and rates determined?

Loan amounts and interest rates vary based on your qualifications and business details — including time in business, annual revenue, cash flow, and personal and business credit scores.

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