Bank Term Loan
Bank money without the bank runaround.
A fixed-payment term loan from a bank partner — longer terms and lower cost than online lenders, for established businesses with good credit. We package the file so it lands complete the first time.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Why Bank Term Loan
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Owners with about three or more years in business, $250,000+ in annual revenue, and good personal and business credit who want bank terms without spending weeks on an application.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Typical amounts | About $50,000 to $300,000 |
|---|---|
| Typical terms | Multi-year, fixed payments |
| Credit | Around 680+ personal credit and a solid business credit score |
| Time in business | 3+ years |
| Revenue | $250,000+ a year |
| Paperwork | Tax returns and current financial statements |
| How fast | Usually two to three weeks from a complete file. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for bank term loan — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Voided business checkbank
- 05Most recent business tax returntax
- 062 years business tax returnstax
- 07Year-to-date P&L and balance sheetfinancials
Industries we see use it most
Where bank term loan is one of the best-fit options for how the business earns.
Compare related options
Not sure this is the one? These are the structures owners most often weigh against it.
