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LONG TERM BUSINESS LOAN

Term loan is a common form of long term business funding. You get a lump some of cash upfront to invest in your business and repay with interest over a predetermined time period. Best for businesses looking to expand that have good credit and strong business revenue. Offers fast funding typically within  2 days to a week.

Pros: 

  • Get a lump sum amount of cash to invest in business. 

  • Borrow higher amounts

  • Get funding in 2 - 7 days 
     

Cons:

  • May require some type of collateral
     

Best for:

  • Businesses looking to grow

  • Business owners with better credit and consistent business who can’t wait for funding 

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Our 3 Step Process:

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1. Apply

Fill out our Quick Apply application.

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2. We review your application

We review your goals and present you with programs matching your needs, getting an offer in 24 hours.

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3. Receive funding

Choose the program that fits you best and receive funding within 48 hours.

What is Long term business funding?

One common choice for long-term business funding is a term loan. They invest a substantial amount of money up front in your company, which you must return over a certain period (usually many years) with interest. For expanding companies with excellent credit and robust sales, this is perfect. Benefits include the capacity to borrow greater sums and quick access to cash (two- to-seven days). They are ideal for companies who need money right now, however, they could require collateral.

 

How do Long-Term Business Loans Work?

Long-term business loans provide your organization with an initial large capital infusion to support its expansion. Over a certain period, usually five-to-seven years, you return the loan with interest. For well-established companies looking to expand or buy equipment, real estate, or other initiatives, these loans are perfect. When compared to short-term loans, they provide benefits like higher financing levels and cheaper interest rates. But be ready for a more stringent application procedure and additional prerequisites.

Types of Long-Term Business Loans:


There are several types of long-term company loans to meet different demands. Here are a few well-liked options:

Term loans

Term loans are adaptable loans that provide a one-time payout for a number of uses, including expansion, equipment, and inventory. There are three-to-seven-year repayment terms available.


SBA Loans

These government-backed loans have longer terms (7–25 years) and cheaper interest rates for businesses that meet the requirements. They cover a wide range of needs, including expansion, finance, and real estate purchases.


Loans for equipment

Equipment loans, which are specifically meant to finance the purchase of equipment, often have payback schedules that match the equipment's useful life and need the actual equipment as security.

Examine each choice considering your unique requirements to determine which is most appropriate for your company.

What things to Consider during Applying for a Long-Term Business Loan

Consider your company's requirements and capabilities carefully before applying for a long-term loan. First, ascertain the precise financial needs for your business and how it fits into your objectives for development. Next, assess your creditworthiness since obtaining favorable rates is more likely if you have a solid credit history. Look into several loan choices (SBA loans, term loans, etc.) to determine which one best suit your requirements and conditions of payback. Recall that collateral is often required for long-term loans, so be sure you have enough assets to secure the loan if needed. Finally, draft a strong business plan that details your financial expectations and how the loan would help you achieve your objectives.

FAQs


Q 1. How fast is your loan process? What is the duration of the process?

A. Our application procedure is quick and easy! On your long-term loan application, we can often send you a preliminary answer in less than 48 hours.

Q 2. How much can I borrow?

A. The size of the loan varies based on your credentials and company demands. We collaborate with you to choose the ideal loan amount to help you reach your objectives.

Q 3. Will you sign a non-disclosure agreement (NDA)?

A. An NDA can be signed on a individual basis.  Depending on the project or entity that is seeking the loan, we can sign an NDA agreement with the borrowing party. We can sign your NDA agreement or use one of ours on file.

Q 4. Can You Provide Long-Term Business Funding with Bad Credit?

A. We are aware that credit history is not the only factor. When assessing your application, we at C Capital Loans LLC consider more than simply your credit score.

Q 5. Are Startups and Small Businesses a Good Fit for a Long-Term Business Loan?

A. For new and small businesses, long-term loans might be a suitable choice, particularly when funding large expenditures or expansion plans. To determine whether a long-term loan is the best option for you, we can assist you in evaluating your circumstances.

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