Long-Term Business Loans & SBA Loans
$50K to $3M. Up to 10 Years to Pay It Back.
Long-term business loans for US companies. Rates from 6.99% annually. Fixed monthly payments. No equity given up. Apply in minutes.
$50K - $3M
36 - 120 month terms
From 6.99% annually
Fixed monthly payments
680+ FICO required
US businesses only
$500M+Capital Deployed
10K+Businesses Funded
4.9★Google Rating
24hrFastest Funding
Google 4.9
SBA 7(a) program
No equity given up
What Is a Long-Term Business Loan?
SBA loans and long-term financing for serious business growth.
A long-term business loan gives you access to $50K–$3M with repayment terms up to 10 years. Unlike short-term working capital loans, long-term loans are structured with fixed monthly payments - making it easier to plan cash flow, invest in growth, and keep your margins intact.
Lend On Capital offers long-term business loans for US-based companies. Whether you need capital for equipment financing, a commercial real estate purchase, business acquisition, or expansion - we structure the right loan for your goals. Rates from 6.99% annually. No equity given up.
See What You Qualify For →Loan Amount
$50K - $3M
US businesses only
Interest Rate
From 6.99%
Annually
Loan Term
36 - 120 months
Up to 10 years
Payments
Monthly only
Fixed payment schedule
Collateral
Under $350K: not required
Over $350K: business assets first, personal real estate if needed
Over $350K: business assets first, personal real estate if needed
Processing Time
3 - 6 weeks
Full underwriting
Who It's For
The right loan for the right stage
Long-term loans make sense when the capital need is significant and you want a payment you can plan around for years.
Expanding to a new location
A second or third location requires serious capital - and a payment that doesn't choke current cash flow. Long-term terms make it manageable.
Common use case
Major equipment purchase
CNC machines, commercial kitchens, vehicle fleets. Equipment that generates revenue for years deserves a loan term that matches its working life.
Common use case
Business acquisition
Buying a competitor, a partner's stake, or a business in your industry. These deals require real capital with real terms - not a 12-month cash advance.
Common use case
Commercial renovation
A full build-out, facility upgrade, or restaurant remodel. Long payback period keeps the monthly cost in line with the revenue it generates.
Common use case
Hiring and staffing scale-up
You landed a large contract and need to staff up fast. A lump sum with 36+ months to repay keeps your margins intact while you onboard.
Common use case
Debt refinance
Multiple short-term positions with high factor rates? Replace them with one long-term loan at 6.99% and cut your weekly payment significantly.
Common use case
The Process
How the long-term loan process works
More thorough than a short-term approval - which is how we get you a lower rate and longer term.
1
Apply in minutes
Complete the secure form. Zero credit impact. Your funding manager contacts you same day.
Same day
2
Submit documents
Bank statements, tax returns, P&L, balance sheet. We walk you through exactly what's needed.
Days 1-3
3
Underwriting review
Full business financial review. This is how we get you the best rate and maximum term.
Weeks 1-4
4
Funded
Sign your documents. Capital wired to your business bank account. First payment 30 days later.
Weeks 3-6
Compare Programs
Which loan is right for you?
All three programs are available through one application.
| Feature | Short-Term Loan | Line of Credit | Long-Term Loan |
|---|---|---|---|
| Amount | $20K - $1M | $50K - $250K | $50K - $3M |
| Rate | From 1.11x factor | From 8.99% annually | From 6.99% annually |
| Term | 6 - 24 months | 12 - 30 months | 36 - 120 months |
| Payments | Daily or weekly | Weekly or monthly | Monthly only |
| Processing | 0 - 2 days | 0 - 2 days | 3 - 6 weeks |
| Collateral | Not required | Not required | Under $350K: not required Over $350K: assets required |
| Best for | Bridge needs, quick cash | Ongoing cash flow | Expansion, equipment, acquisitions |
| Coverage | US + Canada | US + Canada | US only |
Qualification
Check My Eligibility →
What you need to qualify
Long-term loans go through a full underwriting process. Meet most of these and you have a strong chance of approval.
✓
At least 2 years in business. 2 full years of operational history required. Longer strengthens your application.
✓
$20,000+ monthly revenue. Consistent revenue is the clearest signal of a healthy business.
✓
Business bank account - 6 months of statements required for underwriting.
✓
680+ personal FICO score. Most lenders in 2026 require a minimum 680. A higher score improves your rate and terms.
✓
Most recent business taxes must show a profit. 2 years of business and personal tax returns (all owners) required.
✓
US-based business only. SBA 7(a) is available for businesses physically located and operating in the United States.
✓
No open bankruptcies. Discharged bankruptcies from 2+ years ago may still qualify.
Not sure if you qualify?
Checking your eligibility takes 60 seconds and has zero impact on your credit score. Your funding manager will review your profile and tell you exactly what you qualify for.
No credit impact to check
Funding manager assigned same day
No obligation - see your options first
US businesses only
Not quite there yet?
If you don't qualify for a long-term loan yet, our short-term loan or line of credit may be a better fit - and a clear path to a long-term loan in the future.
View Short-Term Loan →
Recently Funded
Real businesses. Real results.
Long-term loans funded across the US in the past 12 months.
Long-Term Loan
Dental Practice
Orlando, FL
$250,000
10 years · $3,443/mo
Long-Term Loan
Auto Group
Houston, TX
$1,200,000
84 months · $18,800/mo
Long-Term Loan
Manufacturing Co.
Seattle, WA
$300,000
84 months · $6,249/mo
Long-Term Loan
Medical Clinic
Atlanta, GA
$500,000
10 years · $6,888/mo
Long-Term Loan
Franchise Group
Phoenix, AZ
$750,000
84 months · $14,063/mo
Long-Term Loan
Construction Co.
Charlotte, NC
$180,000
60 months · $4,500/mo
Long-Term Loan
Physical Therapy Group
Chicago, IL
$425,000
10 years · $5,863/mo
Long-Term Loan
Logistics Company
Dallas, TX
$2,000,000
10 years · $27,555/mo
What clients say
What business owners say about us
4.9
Google Rating
FAQ
Frequently asked questions about long-term business loans
Long-term business loans and SBA loans take 3-6 weeks from application to funding. This is longer than a short-term approval because we conduct a full financial review - which is also what allows us to offer lower rates and longer terms. Your funding manager gives you a clear timeline after reviewing your documents.
For the initial review you'll need: 6 most recent business bank statements, 2 most recent business and personal tax returns (all owners), YTD profit and loss statement, YTD balance sheet, driver's license, and a voided check. Additional documents may be requested during full underwriting.
While the SBA doesn't set a hard floor, most lenders in 2026 look for a personal FICO score of 680 or higher. A stronger score improves your rate, loan amount, and terms. We look at the full picture - revenue, business history, and profitability - alongside the credit score.
For terms under 15 years, there is usually no prepayment penalty. Your funding manager will confirm exact terms before you sign - no surprises. Many clients refinance into better terms once their business grows, and we structure deals with that flexibility in mind.
It depends on the loan amount. Under $350,000: no collateral is required, though adding it can improve your offer amount and terms. Over $350,000: the SBA requires the lender to fully secure the loan to the extent assets are available. If business assets aren't sufficient, they may require a lien on personal real estate.
2 years of operational history is required. If you've been in business less than 2 years, a short-term loan or line of credit is a better fit right now - and a clear path to a long-term loan as your track record grows.
No. The SBA 7(a) is a US government-backed program for businesses physically located and operating in the United States. Canadian businesses are not eligible. If you're in Canada, our short-term loan and line of credit programs are available to you.
Ready to see what you qualify for?
Check your eligibility in 60 seconds. No credit impact. Your dedicated funding manager will reach out same day with a full breakdown of your options.
📞 (844) 902-3080 · Mon-Fri 9am-6pm EST
✉ [email protected]
✉ [email protected]
Nationwide Coverage
Long-term business loans in all 50 states
Lend On Capital funds long-term business loans and SBA 7(a) loans for businesses across the entire United States - from Miami to Dallas, Chicago to Los Angeles.
US only for long-term loans · US + Canada for other programs
$500M+
Capital deployed
10K+
Businesses funded
All 50
States served
Get Started Today
Apply for a long-term business loan or SBA loan today
Check your eligibility in 60 seconds. Your dedicated funding manager calls you same day with a full breakdown of your options.