Business Term Loan

Clear, straightforward financing to manage cash flow, seize opportunities, and keep your business moving.

  • Rates starting: 1.6%*/year
  • Terms: 6 – 48 months
  • Funding: $50,000 – $1,000,000
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Apply for funds

No long process — a streamlined path to business financing with clear, fixed terms.

Predictable payments

Fixed repayment terms — a clear schedule that helps you plan ahead.

Flexible options

Choose a term aligned to your cash flow. Early payoff advantages may apply.

What is a Business Term Loan?

A CSG Lending Business Term Loan provides a lump sum of working capital with fixed repayments over a set period. Use it to cover operational expenses, invest in equipment, or capture new opportunities without slowing down.

Common uses

  • Manage cash flow & day-to-day expenses
  • Purchase inventory or equipment
  • Handle unexpected costs without disruption
  • Invest in marketing to attract new customers
  • Move on time-sensitive opportunities
Owner reviewing a term-loan offer

Just 3 steps to get this funding started

1

Apply online

Answer a few focused questions so we understand your needs.

2

Get approved

Receive an approval tailored to your business situation.

3

Receive your funds

Accept your terms; funds are released and ready to use.

Apply for Funding

Requirements for a Business Term Loan

  • At least 6 months in business
  • Minimum annual revenue: $40,000
  • No bank debt (open delinquencies)
  • An operating business bank account

*Exact terms depend on your business profile and approval.

Business owner team

Frequently Asked Questions (FAQs)

How do repayments work for the business term loan?
Repayments are fixed on a predictable schedule (weekly or monthly, depending on your offer). You’ll see total cost and term before you accept.
What costs are associated with the loan?
Your offer includes the rate, any applicable origination fee, and the repayment schedule. There are no hidden fees.
Will applying impact my credit?
Pre-qualification may use a soft inquiry. If you proceed and are approved, a hard inquiry may be required before funding.
How quickly can I access funds after approval?
In many cases, funds can be released as soon as the same business day after signing.
Are there any prepayment penalties?
Early payoff advantages may be available; we’ll outline the options in your offer documents.
Do I need collateral to secure the loan?
Most offers are unsecured; certain approvals may require additional assurances. We’ll let you know if needed.
How does CSG Lending determine my loan amount?
We evaluate cash flow, revenue trends, deposit activity, industry risk, time in business, overall credit profile, and current obligations.
Can I apply if I already have an existing business loan?
Yes — many clients refinance or stack responsibly. We’ll review your current obligations to ensure healthy cash flow.

Let’s keep your business moving.

Submitting an application is simple and takes only a moment.

Apply Now