Business loan terms range from a few months to several years, depending on the product. On the lendfloCapital network, working capital typically runs 3 to 18 months and business term loans 12 to 60 months, while equipment financing is matched to how long the equipment lasts. A line of credit is revolving, so it has no single payoff date.
Key facts
| Financing type | Business Financing |
|---|---|
| Typical amounts | Term loans $25K–$2M; equipment financing $10K–$500K |
| Decision time | As fast as 24 hours |
| Credit | All credit profiles considered; soft credit pull to start |
| Cost to apply | Zero cost to apply |
| Who we are | A business financing broker. We compare offers from our lender network; we are not a direct lender. |
In detail
These are typical ranges on the lendfloCapital network; the term you are offered depends on the lender, the amount and your business profile.
In detail
A longer term lowers each payment but usually costs more in total, because you pay for the money for longer. A shorter term raises each payment but usually costs less overall. The right term is the longest one that keeps the payment comfortable without paying for years you do not need.
In detail
Match the term to what the money buys. A purchase that pays for itself within a year suits a short term. Something that lasts for years, such as equipment or an expansion, suits a longer term. Check that the payment fits comfortably inside your monthly cash flow, and ask whether paying early lowers the total you owe.
Preparation checklist
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Product paths
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Short-term business loans
Long-term business loans
Business term loans
How equipment financing works
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Owners should compare fit, cost, timing, payment burden, documentation, and how each option supports the business goal.
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Do I qualify?
Most business owners who research this topic are eligible to begin a review. Here is what usually qualifies and what owners should not worry about.
Who qualifies
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What it costs
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lendfloCapital gives owners a short path from reading to reviewing practical funding options.
From a few months to several years. Working capital typically runs 3 to 18 months and business term loans 12 to 60 months on the lendfloCapital network, while equipment financing is matched to how long the equipment lasts.
There is no single average, because it depends on the product. Short-term working capital is repaid in months, term loans in one to five years, and equipment financing is usually matched to how long the equipment lasts.
It lowers the payment but usually raises the total cost. A longer term is better when you need a comfortable payment on a purchase that lasts, and worse when you would simply be paying interest for years you do not need.
A line of credit is revolving. You draw what you need, repay it and draw again within your limit, so there is no single payoff date.
Written by lendfloCapital Editorial Team · Last updated
lendfloCapital is a business financing broker, not a lender. This page is general information, not financial, legal or tax advice. Rates, amounts and terms depend on the lender and your business.
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