⬣ Fixed-Rate Growth Capital

Fixed-Rate Term Loans Built for Growth-Stage Operators

Q: What is a business term loan?

A business term loan is a lump-sum of capital repaid over a fixed schedule at a fixed or variable rate, used for equipment, expansion, acquisition, or debt consolidation. Unlike a revolving line of credit, funds are disbursed once and repaid on a set amortization schedule.

Q: How do I get the two free bonus guides?

Complete the application through our secure partner link below. Our team emails both bonus guides (The FUNDABLE Positioning Framework and The Strategic Loan Stacking Playbook) to the address on your application within one business day.

Deploy $50,000–$5,000,000 in fixed-rate capital for equipment, expansion, acquisition, or debt consolidation, and get two free strategist frameworks worth $594 the moment you apply.

Check Your Eligibility → See the Free Bonuses

No hard credit pull to pre-qualify. Not a lender: we connect you with independent financing partners.

The Problem

Most Operators Only See One Offer

Term loan terms vary enormously by lender type. Without a positioning strategy and a way to compare structures, you take whatever the first lender quotes, often leaving real savings on the table.

Rate Spread Is Wide

Bank and SBA term loans run 7–15% APR. Online lenders range 12–35%. Applying to the wrong tier first can cost tens of thousands over the loan term.

Files Get Rejected on Presentation

Underwriters see hundreds of files. How you position revenue, use-of-funds, and repayment logic changes approval odds, before your credit score ever matters.

Stacking Mistakes Trigger Covenants

Layering a term loan on top of an existing line of credit without sequencing it correctly can violate covenants and trigger a call on your existing facility.

How It Works

Three Steps From Application to Funded

The same process our team uses with every operator who comes through this page.

Step 1

Apply in Under 3 Minutes

Pre-qualification uses a soft credit pull and revenue history, and it will not affect your credit score.

Step 2

We Match You to Lenders

Your file is matched against bank, SBA, and online lending partners based on your revenue, time in business, and use of funds.

Step 3

Compare Offers and Close

Review rate, term, and structure side by side. Your two bonus guides arrive by email within one business day of applying.

Included When You Apply

Two Strategist Frameworks, Free

Written by our Chief Credit Strategist for operators preparing a term loan file, yours at no cost when you complete an application.

$297 Value

The FUNDABLE Positioning Framework

A step-by-step method for presenting revenue, use-of-funds, and repayment logic the way underwriters actually want to see it, before they ever pull your file.

$297 Value

The Strategic Loan Stacking Playbook

How to sequence a term loan alongside an existing line of credit or future financing without tripping covenants or triggering a call on your other facilities.

$594 Total Value

Delivered by email within 1 business day of a completed application. No separate purchase required.

Frequently Asked

Business Term Loan Questions

What is a business term loan?

A lump-sum of capital repaid over a fixed schedule at a fixed or variable rate, used for equipment, expansion, acquisition, or debt consolidation. Unlike a revolving line of credit, funds are disbursed once and repaid on a set amortization schedule.

What interest rates should I expect?

Bank and SBA term loans typically run 7–15% APR for qualified borrowers. Online lenders range 12–35% depending on time in business, revenue, and credit profile.

How much can I qualify for?

Most operators on this program qualify for $50,000 to $5,000,000, sized to monthly revenue, time in business, and existing debt service.

How do I get the two free bonus guides?

Complete the application through our secure partner link above. Our team emails both guides to the address on your application within one business day.

How long does approval take?

Online lenders in our network typically respond in 1–5 business days. Bank and SBA-backed term loans take 2–6 weeks in exchange for lower long-term cost.

Will applying hurt my credit score?

Pre-qualification uses a soft credit pull, which does not affect your score. A hard pull only occurs if you move forward with a formal offer from a specific lender.

Affiliate Disclosure: This page contains affiliate links. We earn compensation when you click links to lender partners. This does not affect your rates or terms. Full disclosure.

Meridian Private Line is not a lender and does not make credit decisions. Bonus guides are educational materials, not financial or legal advice.