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24-hour response for urgent deals
Predictable Capital for Long-Term Growth
Our Term Loans offer a traditional lending structure with a modern speed. You receive a lump sum of cash upfront and repay it over a set term with fixed regular payments. This product is ideal for established businesses looking to finance large investments, expansions, or one-time expenses with predictable costs.
Why Choose Our Term Loans?
Designed to solve real business challenges with speed and flexibility.
Lower Cost of Capital
Generally lower interest rates compared to short-term advances.
Predictable Payments
Fixed daily, weekly, or monthly payments make budgeting easy.
Longer Terms
Repayment terms ranging from 1 to 5 years.
Build Business Credit
Consistent repayment history can improve your business credit profile.
Key Features
- Funding up to $2 Million
- Fixed interest rates
- Terms from 12 to 60 months
- No prepayment penalties on select products
- Streamlined underwriting
Eligibility Requirements
- 2+ years in business
- $25,000+ monthly revenue
- 650+ FICO score
- Profitable operating history
How It Works
Simple, transparent, and fast.
Consultation
Discuss your needs with a loan specialist.
Documentation
Provide tax returns, P&L, and bank statements.
Underwriting
Our team reviews your financial health (24-72 hours).
Funding
Sign closing docs and receive your capital.
Common Use Cases
Business Expansion
Opening a second location for a successful cafe.
Debt Refinancing
Consolidating high-interest debt into a single, lower monthly payment.
Large Equipment
Purchasing heavy machinery with a 5-year lifespan.
"We needed a significant amount to renovate our new office. The term loan gave us the capital we needed with a monthly payment that fits perfectly into our budget."
Sarah Thompson
CEO, Thompson Creative Group
Frequently Asked Questions
Ready to Fund Your Growth?
Join thousands of business owners who trust Cinch Lending for their capital needs.
Ready to Grow?
Fill out the form below to get started. One of our funding specialists will reach out to discuss your options.
Fast Response
We typically respond within 1 hour during business hours.
Secure Process
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No Obligation
Requesting information is free and non-binding.