Apply in minutes
A few questions and a soft credit check. Your funding manager follows up.
Long-term business loans from $50K to $3M
Fixed monthly payments over 36 to 120 months. For expansion, equipment and acquisitions.
Initial soft credit checkNo obligation to accept
Business funding is personal. See what business owners are saying.
$50K to $3MAmount
6.99% annual rateStarting rate
36 to 120 monthsRepayment term
Fixed, monthlyPayments
The basics
What is a long-term business loan?
A lump sum repaid over 36 to 120 months with fixed monthly payments, so you can plan cash flow for years. SBA 7(a) options are available for eligible US businesses.
A payment you can plan around.Fixed monthly payments over 3 to 10 years.
Lower monthly payments.A longer term spreads the cost, so each payment is smaller.
Built for larger goals.Locations, equipment and acquisitions, up to $3M.
Best for significant, planned investments. For a quick, defined need, short-term funding usually fits better.
Est. monthly payment
$2,901
Principal $250,000Interest $98,171
Compare
Long-term funding vs line of credit vs short-term funding
One eligibility check covers all three programs.
| Line of credit | Short-term funding | Long-term funding | |
|---|---|---|---|
| Amount | $50K to $250K | $20K to $1M | $50K to $3M |
| How you use it | Draw, repay, redraw | One lump sum | One lump sum |
| Term | 12 to 30 months | 6 to 24 months | 36 to 120 months |
| Starting rate | From 8.99% | From 11.99% | From 6.99% annual rate |
| Interest on | What you draw | Original amount | Remaining balance |
| Available in | US and Canada | US and Canada | US only |
Line of credit
Amount$50K to $250K
How you use itDraw, repay, redraw
Term12 to 30 months
Starting rateFrom 8.99%
Interest onWhat you draw
Available inUS and Canada
Short-term funding
Amount$20K to $1M
How you use itOne lump sum
Term6 to 24 months
Starting rateFrom 11.99%
Interest onOriginal amount
Available inUS and Canada
Long-term fundingThis page
Amount$50K to $3M
How you use itOne lump sum
Term36 to 120 months
Starting rateFrom 6.99% annual rate
Interest onRemaining balance
Available inUS only
Common uses
What long-term business loans are used for
Long-term funding fits significant needs where a payment you can plan around matters.
New location
A second or third location, with a payment that fits current cash flow.
Major equipment
Kitchens, machines and fleets, on a term that matches their working life.
Business acquisition
Buy a competitor, a partner's stake or a business in your industry.
Commercial renovation
A build-out, upgrade or remodel with a longer payback.
Hiring and staffing
Staff up for a large contract and keep margins intact.
Debt refinance
Replace several short-term payments with one fixed monthly payment.
Is it right for you?
Is long-term funding the right fit?
A quick way to tell, before you apply.
Often a good fit
- A significant capital need
- You want a fixed payment you can plan around for years
- An established US business ready to share full documents
Another structure may fit better
- Newer business or ongoing uneven expenses: business line of credit
- One defined need with a quick payback: short-term funding
- Canadian business: line of credit or short-term funding
How it works
Four steps from first look to funded
One short check. A person who reviews your numbers. An offer you can read before you decide.
Check your eligibilitySend your documents
Bank statements, tax returns, a P&L and a balance sheet. We walk you through each one.
Underwriting review
A full review of the business. This is how we work toward your best rate and term.
Complete the agreement, get funded
Funds go to your business bank account. Your first payment is about 30 days later.
Confidence,
in their words.
“They always reach out to make sure things are ok and remember my past loans and my needs.”
“I was really impressed by Lend On Capital. Ron in particular was remarkably direct and honest.”
“Quick to answer, super professional, and they got everything done without me having to chase anyone down.”
“Very good experience with Lend On Capital! The customer service is great. The process was fast and smoother than I expected.”
“I was able to secure the funds I needed to upgrade my equipment and grow my business.”
“I’ve worked with other lenders, but Lend On Capital truly stands out. The line of credit I received was exactly what my business needed.”
01 / 06
Excerpts from customer reviews. Individual experiences vary. Financing is subject to review and approval.
$500M+Capital delivered
10,000+Businesses funded
4.9Google rating
US + CABusinesses served
What is a long-term business loan?
A long-term business loan is a lump sum repaid over 36 to 120 months with fixed monthly payments. Lend On Capital offers $50,000 to $3,000,000 to US businesses, including SBA 7(a) options for eligible businesses.
How much can I borrow, and for how long?
Long-term business loans from Lend On Capital range from $50,000 to $3,000,000, with terms of 36 to 120 months (up to 10 years) and fixed monthly payments.
Do I need collateral for a long-term business loan?
Under $350,000, collateral is not required, though offering it can improve your amount and terms. Above $350,000, the loan is secured by business assets first, and by personal real estate if business assets are not enough.
What documents do I need to apply?
Six months of business bank statements, two years of business and personal tax returns for all owners, a year-to-date profit and loss statement and balance sheet, a driver's license and a voided check. Your funding manager may request more during review.
Is a long-term business loan available in Canada?
No. Long-term funding is for US businesses only. Canadian businesses can apply for a business line of credit or short-term funding.
Your bigger plans. Within reach.
Start with the amount. We'll show you the options that fit.
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