How do I qualify for a business term loan?

You need a 600+ credit score, at least 1 year in business, and $100,000 or more in annual revenue.

What can I use a business term loan for?

Business term loans can fund expansion, inventory purchases, hiring, marketing campaigns, renovations, and other strategic investments that grow your business.

Business Term Loans

Predictable capital for your next phase of growth.

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No obligation. Subject to qualification review. NEXA Mortgage LLC #1660690

Business Term Loans: $25K–$500K with fixed monthly payments — decisions in 1-3 business days.

Loan Amount

$25K – $500K

Standard Terms

1 to 5 Year Terms
Fixed Monthly Payments
Competitive Rates

WHAT DO YOU NEED TO QUALIFY?

600+ Credit Score

Competitive programs starting at 600 FICO. Higher scores unlock better rates and longer terms.

Check My Eligibility

1+ Year in Business

Established businesses with at least 12 months of operating history qualify for term loan programs.

Apply in Minutes

$100K+ Annual Revenue

Demonstrate $100,000 or more in annual gross revenue to access the full range of term loan programs.

See My Loan Terms

$25K–$500K

Loan Range

1–5 Yrs

Repayment Terms

600+

Minimum FICO

HOMESTEAD BUSINESS TERM LOANS

Fixed payments, predictable budgeting, and capital that arrives when your business needs it — not months later.

Fixed Payments

Same amount every month.
Budget with confidence.
Predictable cash flow.

24-48hr Decisions

Fast application review.
No months of waiting.
Get your answer fast.

Competitive Rates

Starting around 6-7%.
Based on qualification.
See your rate today.

Transparent Terms

Full disclosure before you sign.
No surprises at closing.
Clear, honest lending.

WHO WE SERVE

From Main Street retailers to growing manufacturers — we provide term loan capital for businesses ready to invest in their next chapter.

Retail Store Owners

Seasonal inventory demands and storefront upgrades require capital that banks take months to approve, while your competitors stock shelves and capture your customers.

Fund My Inventory

Restaurant Operators

Kitchen upgrades, second locations, and seasonal staff surges all require capital now — but restaurant cash flow cycles make traditional bank financing nearly impossible to time.

Upgrade My Kitchen

Contractors

Bidding on bigger jobs requires equipment, bonding, and crew expansion — but you don't get paid until the project is complete, creating a capital gap that banks won't bridge fast enough.

Bid Bigger Jobs

Manufacturers

Production line upgrades and raw material purchases can't wait for 90-day bank approvals. Falling behind on equipment means losing contracts to competitors with newer capabilities.

Upgrade Production

Professional Services

Growing your practice means hiring ahead of revenue — new associates, office space, and technology investments that won't pay off for months while bills arrive now.

Grow My Practice

Tech & SaaS Companies

Scaling requires developer hires, infrastructure investment, and marketing spend — all before recurring revenue catches up. Banks don't understand SaaS metrics or growth-stage economics.

Scale My Team

WHY BANK LOANS DON'T WORK FOR GROWING BUSINESSES

Traditional banks are designed for large, established corporations. Growing small and mid-size businesses face a different reality.

90-Day Application Process

Bank loan applications require months of documentation, financial statements, and committee reviews. By the time you're approved, the growth opportunity has passed.

Perfect Credit Required

One late payment or a revenue dip during a growth phase can disqualify your entire application. Banks don't understand that growing businesses have messy financials.

Collateral Over Cash Flow

Banks want real estate or equipment as collateral. Service businesses, tech companies, and retailers often don't have hard assets to pledge — even with strong revenue.

Small Loans Aren't Worth Their Time

Banks make their money on million-dollar corporate loans. A $50K-$200K term loan for a small business gets pushed to the bottom of the pile — if it's reviewed at all.

WHAT BUSINESSES USE TERM LOANS FOR

Capital deployed where it creates the most impact for your business.

Business Expansion

Open new locations, enter new markets, or scale current operations with capital designed for growth.

Fund My Expansion

Inventory Purchases

Stock up at volume discounts or prepare for seasonal demand without straining operating cash flow.

Buy Inventory Now

Hiring & Staffing

Recruit key talent and build your team before demand outpaces your capacity to deliver.

Hire Ahead of Demand

Marketing Campaigns

Launch advertising and digital campaigns that generate measurable returns on investment.

Launch My Campaign

Renovations

Upgrade your space, remodel storefronts, or improve facilities that attract customers and boost productivity.

Upgrade My Space

Working Capital

Bridge cash flow gaps, cover operational costs, or seize time-sensitive opportunities that drive growth.

Stabilize Cash Flow

Frequently Asked Questions

A business term loan provides a lump sum of capital repaid over a fixed schedule with predictable monthly payments. Terms range from 1 to 5 years, with up to 10 years for well-qualified applicants. This makes budgeting straightforward and helps you plan cash flow with confidence.

You need a credit score of 600 or above, at least 1 year of business operating history, and $100,000 or more in annual revenue. We evaluate your complete business profile to match you with the most competitive program available.

Business term loans are versatile. Common uses include expansion, bulk inventory purchases, hiring key employees, marketing campaigns, facility renovations, and general working capital. The funds are yours to deploy where they create the most impact.

Most applications receive a decision within 24-48 hours. Once approved, funds are typically disbursed within a few business days depending on loan size and documentation requirements.

Rates start around 6-7% for well-qualified borrowers. Your specific rate depends on credit score, revenue, time in business, and loan amount. We work with multiple lending partners to find the most competitive rate for your profile.

READY TO GROW YOUR BUSINESS?

600+ credit score? $100K+ annual revenue? Quick and simple application.

Terms and rates are subject to lender approval and may vary based on creditworthiness and business qualifications. Financing is provided through our lending partner network. All terms are fully disclosed in the lender's agreement.