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Term Loans

Business term loans with 0% origination.

A fixed amount, a fixed schedule, and weekly payments instead of daily debits. Pay it off early and half the remaining interest comes off.

✓ Checking what you qualify for does not affect your credit score.

$10K–$250KLoan amount
12–18 moTerms
0%Origination fee
50% offEarly payoff interest

The actual terms

No origination fee taken off the top, so the amount you are approved for is the amount that lands.

Amount$10,000 – $250,000
Term12 – 18 months
Origination fee0%
PaymentsWeekly
Early payoff50% discount on remaining interest for a full payoff
DecisionSame day
FundingNext business day

The early payoff discount is the part people miss

Most business loans charge you the full interest whether you hold the money for two months or eighteen. That makes paying early pointless.

Here, a full early payoff earns a 50% discount on the remaining interest. If a job pays out, or a slow season ends better than expected, clearing the balance early genuinely saves you money.

0% origination fee
Weekly payments, not daily debits
50% discount on remaining interest for a full early payoff
Loan amount capped at 15% of annual revenue
First position only
Once 50% is repaid you may be eligible to renew into a line of credit
Same-day decision
Next-business-day funding

Weekly payments change the cash flow math

A merchant cash advance debits your account every single morning, which means you never see a full day of deposits. A weekly payment leaves the rest of the week intact.

For most operators that difference matters more than the headline rate. If you are currently on daily debits, refinancing into weekly payments is usually the first thing to look at.

How it works

1. Apply in minutes

A short application. No impact to your credit score to see what you qualify for.

2. Same-day decision

We review revenue, time in business and bank activity — not just a credit score.

3. Review your terms

You see the amount, the term and the total cost before you sign anything.

4. Funded next business day

Money in your account, typically the next business day after signing.

Common questions

How much can I borrow?

From $10,000 up to $250,000.

Is there an origination fee?

No. The origination fee is 0%.

How often are payments taken?

Weekly.

What happens if I pay off early?

A full early payoff earns a 50% discount on the remaining interest.

What are the terms?

12 to 18 months.

How fast is funding?

Same-day decision and next-business-day funding.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.