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Business Term Loan

Borrow a fixed amount up front and repay it in predictable installments — a straightforward way to fund a specific investment in your business.

A single lump sum you receive up front and pay back in fixed instalments over a set number of years.

Who it's for

One large, known cost — a build-out, a vehicle, an acquisition, a big piece of equipment — where you know the amount before you borrow.

1You agree an amount, a rate, and a term (often 1 to 10 years).
2The full amount is deposited at once.
3You repay the same instalment every month until it is gone.
4Rates are usually lower than short-term products because the lender's risk is spread over time.

Borrow for the life of the thing you are buying. A five-year loan on equipment that lasts three years means paying for something you no longer own.

Usually yes, but some lenders charge a prepayment penalty. Always ask what early repayment costs before signing — we check this for you.