Opening the second location. Acquiring the competitor. Rebuilding the fleet. Term loans deliver $25K to $5M with one fixed monthly payment you can plan a business around.
Three quick questions — no credit impact.
Secure & confidential. No obligation.
At a Glance
The straightforward instrument: borrow once, repay monthly, know your number for the life of the loan.
What It Is
A term loan is lending in its cleanest form: a lump sum today, repaid in equal monthly installments over one to ten years. Because the payment never moves, you can model the loan directly into a project plan — which is exactly why term loans power expansions, acquisitions and consolidations.
Ours come without the bank experience. Instead of one institution’s take-it-or-leave-it offer after eight weeks, your specialist shops 50+ lenders and returns with competing structures inside days.
Built For
If the project has a plan and a payoff, a term loan is usually its natural financing.
Build-outs, leases, staffing and launch inventory — funded upfront so the new location opens strong instead of starved.
Growth capitalBuy a competitor, a book of business, or your partner’s stake — with a payment structure the acquired cash flow can service.
M&A readyRoll multiple advances and high-cost positions into one lower monthly payment. Clients routinely cut total monthly outflow 30–50%.
One paymentInventory buys, franchise fees, technology overhauls — anything big enough to deserve multi-year financing instead of a cash hit.
Plan-sized capitalSimple Process
Bring the plan. We’ll bring the capital and the comparison shopping.
Apply below with your amount, timeline and purpose. Recent bank statements unlock the strongest offers.
~4 minutesYour file goes head-to-head across our lender network. Competition is how you get a rate worth signing.
50+ lendersAmount, rate, term and total cost side by side, in plain English. Your specialist pressure-tests each against your plan.
True comparisonE-sign, funds wire to your account, and the project starts. Typical timeline start-to-finish: 3–7 business days.
3–7 days
Do You Qualify?
Term loans reward track record. The longer your history and steadier your revenue, the better your rate and the longer your runway. But “strong” doesn’t mean flawless — past credit events and seasonal dips are workable with the right lender match.
You’re in the strike zone if:
Questions, Answered
Term loans are larger, longer and cheaper — built for planned projects. Working capital is faster and shorter — built for immediate needs. Rule of thumb: if the need has a project plan, term loan; if it has a deadline this week, working capital.
Well-qualified borrowers see rates from 7.9% APR; most fall between there and the mid-teens depending on credit, revenue, term length and industry. You’ll see your actual number with no credit impact before deciding anything.
Many term loans up to ~$500K are unsecured — backed by a personal guarantee rather than specific assets. Larger loans may involve a blanket lien or specific collateral, which typically buys you a lower rate. Both structures will be priced for you.
Yes — it’s one of the most valuable moves we make. Converting daily-payment advances into one monthly term payment routinely cuts monthly outflow by a third or more. Bring your balances; we’ll show the exact math.
Many of our programs have none, and several discount remaining interest when you pay early. Where a lender does charge one, your specialist flags it before you sign — never after.
A working shortcut: lenders comfortably size term loans around 1–2× your monthly revenue in payment capacity terms. The application below returns a realistic range for your specific profile within a day.
Still curious? Read the full FAQ or call (877) 283-2321.
Get Funded
Four minutes to real offers. No hard credit pull until you choose a program.
What are you applying for?
Choose the option that fits best — you can always talk it through with a specialist.
How much funding do you need?
Drag the slider — a rough number is fine.
What's it for?A few details
This helps us match you with the right lenders.
Where should we send your options?
A funding specialist will review and reach out — no impact to your credit score.
Speed things up with documents (optional)
Recent bank statements help us get you approved faster. Accepted formats: PDF, PNG, JPG — max 3 files.
Review your application
Make sure everything looks right — then send it our way.
Thank you — your application has been received. A dedicated funding specialist will contact you within one business day.
Need us sooner? Call (877) 283-2321.
Success Stories
Expansions and consolidations funded on terms the plan could carry.
From $40K working capital to a $250K expansion loan in two years. They grow with you.
Second time funding with BTEC. They remember your business and it shows.
They answered every call, explained every term, and never pressured. Rare in this industry.
Keep Exploring
Even lower rates and longer terms if you qualify and can wait 30–60 days.
ExplorePrefer flexibility over a lump sum? Draw as needed, pay for what you use.
ExploreIf the purchase is equipment, dedicated asset financing usually prices better.
ExploreLet's Get You Funded
Get matched offers within a day — fixed payment, known cost, funds inside a week. The only thing left to do is build.
