Term Loans

Fast Fixed Decisive Funding

A Business Term loan is a lump sum of capital paid back by regular fixed payments at a set interest rate over a set term. The term is typically between one to ten years long and interest rates average 9.99%.  Term loans consist of two types, secured and unsecured. Unsecured term loans tend to be the most common type and the most flexible option. These loans are typically a faster alternative than an SBA ( Small Business Administration ) product with similar benefits. When it comes to this type of lending instrument, there is nothing unexpected especially being serviced by US Fund Source.


Business term loans are one of the most traditional lending options available. Unsecured business loans do not require the borrower to pledge any collateral, such as real estate or equipment. These loans are issued based on business and personal creditworthiness. Robust financials boost business credit. However, in today’s market, approval percentages are at the highest in years.


An unsecured term loan or secured business term loan is a straightforward, flexible loan that you can use to invest in and grow your business. Minimal paperwork is required, and funds can be distributed between 24 hours and seven days to expand your business, hire employees, increase inventory, and more. Contact US Fund Source and apply today.


Our unsecured term loans feature low-interest rates and comfortable repayment terms. Gain access to business working capital today and improve your cashflow.

Whether its running into a growth opportunity or needing capital for a specific equipment or inventory purchase, a small business term loan can help. Our goal is to guide you through your unique financial needs.  With little restriction and a much easier process than traditional banking, this type of loan can be extremely beneficial to small business owners.

Sometimes your business runs into something unexpected. Maybe business is growing, and you need more delivery trucks, or maybe your oven broke down, and you need to replace it as soon as possible. Whatever your challenge is, a term loan can almost instantly increase your capital, allowing you to face it confidently.

Secured and unsecured business term loans can be a crucial benefit to ones organization. The quick access and flexibility tend to grant companies optimum borrowing capability.

  • Easy Access to Versatile Capital
  • Set Payment Term with Longer Fixed Repayment Options
  • Minimal Financial Documentation
  • Low Cost of Funds
  • Expand your physical location
  • Build Business Credit
  • Purchase Equipment
  • Increase inventory
  • Marketing


  • 1 Year in Business
  • $100,000 Minimum Annual Revenue
  • 600+ Credit Score
  • 700+ Industries OK


  • Simple Process
  • Low Rates
  • Poor Credit Availability


  • Rates as low as 6%
  • Funding within 24 hours
  • Loan amounts up to $2,000,000 ( Federally Guaranteed Term Loans up to $5 Million )
  • 1-10 year terms

Checklist for Bank Term Loans:

(Does Not Include all Term Loan Options)

Requirements and Eligibility:

Note: If your business was impacted by Covid-19 please provide a detailed summary of the Covid-19 impact with your most recent financials.

  • 2 years in business (with corresponding tax returns)
  • For-profit business
  • Proceeds: Working Capital, Debt Refinance, Equipment Purchases, Construction Buildouts, New Locations, Partner Buyouts
  • Individuals owning 20% or more of the business must guarantee the loan
  • Individuals owning 20% or more of business must be US Citizens or Legal Permanent Residents


Credit Guidelines:

  • Personal: Minimum Personal Credit of FICO 600
  • Public Record search for business owners indicating:
    • No Bankruptcy in past 3 years
    • No Foreclosure in past 3 years
    • No open tax liens


Cash Flow Analysis Documents:

  • 2 Years of Business and Personal Tax Returns
  • YTD (Year To Date) Profit and Loss / Balance Sheet
  • Business Debt Schedule
  • 6 Months Most Recent Bank Statements
  • Debt Service Above a 1X GDSCR

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