Business Term Loans

This program provides an overview of business funding options for loan amounts over $150,000, with a focus on business term loans commonly used for larger investments and long-term growth.

Best for:

➥ Business growth or expansion

➥ Purchasing equipment, vehicles, or machinery

➥ Large one-off investments

➥ Fit-outs, renovations, or opening new locations

➥ Refinancing existing business debt

What Is A Business Term Loan

A business term loan is a type of finance where a business receives a lump sum upfront and repays it over a fixed period, usually with regular repayments that include interest.

The loan comes with clear terms such as the repayment length, interest rate and payment schedule. It’s commonly used for larger investments like equipment, expansion or working capital, and is best suited to established businesses with a solid financial track record.

Tip: When used strategically, a term loan can help support growth, improve cash flow planning and strengthen your business over the long term.

When Funding Over $150,000 May Be Suitable

This type of funding works well for businesses that need a large amount of money to grow, like buying more stock, expanding, or entering new markets. It’s best for businesses that keep clear financial records and understand their cash flow, because lenders want to see stability. The repayments are usually structured, making it easier to manage bigger loans. It’s also good for long-term investments, like buying equipment or upgrading technology, that help the business grow over time.