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Cafe Owners

Small Business Term Loans

Designed for experienced business owners with financial security, a long-term business loan provides larger-scale growth capital at lower interest rates and longer repayment terms. 

What is a Term Loan?

A business term loan is a lump sum of money you borrow from a lender, then pay back at fixed intervals — with interest — over a set period of time. Depending on your lender, you’ll pay off the loan on a weekly, bi-weekly, or monthly basis. Repayment periods from 2-5 years or more. Interest rates also vary by lender, but they can be either fixed or variable. Fixed rates stay the same, while variable rates change depending on the state of the market.

Business term loans are great vehicles to invest in big purchases and long-term business growth. With long repayment periods and typically lower interest rates than credit cards, term loans give you ample time to generate a return on your investment before you have to pay your loan off. 

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Ideal Financing For
Your Business

Business term loans allow borrowers to pursue large-scale growth strategies while paying for the initiative over the life of the loan. Whether you are looking to tackle the next part of your business plan, open a new location, purchase/rent new equipment, expand into new markets, grow your team, or launch a new product, term loans can help you reach your next phase of growth.

Longer term loans are best for planned business expansion and growth goals. Similar to buying a house or getting a college education, many business initiatives take time to gain a return on investment. The lower monthly repayment amounts of long-term loans can give your business the margin it needs to maintain positive cash flow.

  • Loan Amount up to $350,000

  • Avg. Term Length 2-5 years

  • No Collateral Requirements

Qualifying Criteria 

  • Minimum 2 years in business

  • U.S. based business owned by a citizen or lawful permanent resident

  • FICO of 660 or higher

  • No outstanding tax liens

  • Minimum monthly revenue requirement of $20,000

  • Business must not have bankruptcies, or foreclosures in the last 3 years

  • No recent charge-offs or settlements

Why Choose Us?

At Alpha Financial Business Group, we truly value your business. Your success is most important to us, so we’ll never over-leverage your business by offering you more funding than you can handle. Our simple application and quick approval process makes it easy for you to get the working capital your business needs, and our experienced funding consultants will walk with you every step of the way.

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