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◆ Comparison

Short term vs long term: match the term to the asset.

The right term is not the cheapest one or the easiest one. It is the one that matches how long the thing you are buying will keep producing.

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

12-18 moTerm loan
12-36 moLine of credit
LowerShort-term total
LowerLong-term payment

Side by side

Total costShort: lower. Long: higher, because you hold the money longer.
Payment sizeShort: larger. Long: smaller.
Cash flow strainShort: heavier while it runs. Long: lighter but for longer.
Best suited toShort: inventory, a specific contract, a seasonal gap. Long: equipment, buildout, expansion.
Our term loan12 to 18 months, 0% origination, weekly payments.
Our line of credit12 to 36 months, re-amortized on every new draw.
Early payoffTerm loan: 50% off remaining interest on a full payoff.

The short answer: Match the term to the working life of what you are funding. Inventory that turns in 90 days should not be financed over 36 months, and a piece of equipment that runs for a decade should not be crammed into a 12-month payment.

The mismatch that causes trouble

Financing short-lived inventory over a long term means you are still paying for goods you sold months ago. Financing long-lived equipment over a very short term means a payment the business cannot comfortably carry while the equipment is still ramping up.

Either mismatch shows up as strain in the bank statements, which is what the next underwriter reads.

Inventory and contracts: short term
Equipment, buildout, expansion: longer term
A line of credit re-amortizes over 12-36 months on each new draw
Once a term loan is 50% repaid you may be eligible to renew into a line of credit

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

Which costs less overall?

A shorter term, because you are paying for the money for less time.

Which is easier on cash flow?

A longer term, because each payment is smaller.

What terms do you offer?

12 to 18 months on a term loan. 12 to 36 months on a line of credit.

Can I pay off early?

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

Can I extend a term later?

A renewal is available once 50% of the original balance is repaid.

See what you qualify for

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

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