Long Term loans

FDIC-Insured Bank Term Loans

FDIC-insured bank term loans offer businesses a reliable and secure way to access capital for growth and operations with competitive interest rates, predictable repayment schedules, and clear lending terms. For businesses planning long-term investments—such as purchasing equipment, expanding facilities, or hiring staff—term loans provide structured financing that supports strategic decision-making without the uncertainty of fluctuating credit conditions.

Competitive interest rates
Predictable repayment schedules
Structured financing
Long-term investment support
Loan Example
$250,000
Interest Rate
6.5% Fixed
Term Length
60 Months
Monthly Payment
$4,890

Term loans also typically offer longer repayment periods compared to short-term financing, which helps manage cash flow more effectively by spreading costs over time. With professional guidance, transparent processes, and regulatory protections, FDIC bank term loans can be a dependable foundation for sustainable business growth.

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Qualifications

  • Minimum 640 FICO credit score
  • At least 1 year in business
  • Minimum $100,000 in annual revenue
  • Positive net income required
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Required Documents

Please have the following documents ready:

01 Working Capital Application
02 FREE credit report from Experian.com
03 Twelve (12) most recent business bank statements
04 Most recent Business Tax Return
05 Completed Business Debt Schedule
06 A copy of a voided check