Power What’s Next with Fast & Flexible Business Term Loans
Access quick funding to expand operations or purchase equipment - always with terms that are designed around your business goals.
Ready to finance your business?
Applying online is free and takes less than five minutes.
Applying will not affect your credit score. By accessing or applying for business funding services from Swish Funding, you agree to receive calls, texts, and emails from Swish Funding at the contact information provided, and agree to the Terms and Conditions and Privacy Policy.
Business Term Loans Snapshot
$10K–$5M
Financing amounts range
$100K
Average financing amount
3 minutes
Prequalify time
What is a Business Term Loan?
A business term loan provides you with the upfront capital you need, repaid in regular installments over a set timeframe or “term”. Ideal for big investments – such as new equipment, renovations, or expansion – this type of financing offers clear terms and set repayment schedules that fit your plan. With fixed rates and predictable payments, you can plan ahead and focus on growing your business with confidence.
How do Business Term Loans work?
Business term loans provide borrowers with a one-time lump sum of capital, which is repaid over a set time period with regular, fixed payments that include both the principal (original borrowed amount) and interest.
Swish Funding offers business term loans from $10K to $5M, with flexible repayment terms up to 24 months. Apply online in minutes and get fast access to capital, backed by transparent pricing and tailored support—so you always know what to expect.
Swish Funding’s term loans are a trusted solution for businesses that are serious about growth
Our term loans are designed for businesses that desire predictability, simplicity, and a repayment plan that makes sense. Curious to see if you qualify? Take our 3 minute evaluation - fast, easy and built for busy business owners.
What are the benefits of a Term Loan?
Here’s why our term loans are a fan-favorite amongst savvy business owners.
Predictable Repayment
Predetermined repayment schedules allow better budgeting and cash flow management.
Lower Interest Rates
Interest rates are typically available at lower rates than other financing options.
Build Business Credit
Securing and repaying a term loan can significantly boost your business credit score.
Preserve Cash Flow
Invest in your business while using your operational cash flow for other areas.
Smart Business Financing
Swish Funding term loans are a versatile and beneficial financing solution for businesses at any stage of growth.
Flexible Repayment Options
Our term loans come with multiple repayment options so you can choose the one that works best for your business.
Dedicated Account Support
From exploration to approval, our specialists tailor term loans to your business and guide you through the entire process.
Quick Prequalification
Take our 3 minute evaluation to see if you qualify – fast, easy, and built for busy business owners.
What do you need to qualify for a Business Term Loan?
$250K
Annual Revenue600+
Credit Score1 Year
Time in BusinessTop Uses for Business Term Loans
Grow your business
Access fast capital when you need it. Business term loans can be secured within 24-48 hours, allowing you to maximize on growth opportunities without losing momentum.
Hire staff
Hiring new staff can come with hidden expenses, such as job boards, recruiter fees, and background checks. Business term loans help you cover upfront costs so you can focus on finding great talent.
Cover one-time business expenses
Unexpected business expenses can derail your budget and your cash flow. Business term loans can help you get back on track without interrupting operations.
Buy equipment
Purchasing equipment is crucial for any business run smoothly. Use business term loans to acquire necessary equipment and preserve working capital for other business needs.
Pay down operational costs
Use business term loans to cover fluctuating operational costs and planned short-term expenses, especially for seasonal industries or those with cyclical sales.
Purchase inventory
Stocking up on inventory is key to maintaining a positive cash flow. Business term loans help you quickly purchase inventory and meet demand, allowing you to focus on growth.
