Business Term Loan
One lump sum. Fixed payments. A payoff date you can circle.
A fixed-term business loan: the money arrives up front and you repay it on a set schedule, often over a few years. Built for owners who know exactly what the money is for — and a clean way to pay off an existing cash advance.
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.
Working capital up to $150,000
A short path for the requests that can move quickly. Less paperwork up front, and we stay with you from application to funding.
Working capital up to $150,000
A short application and three months of business bank statements to start. For qualified businesses, decisions often come within days.
- Short application
- Photo ID
- 3 months of business bank statements
- A voided business check
We're commercial lending advisors, not a lender. Timing and terms depend on the lender and your file; nothing here is a commitment to lend.
Why Term Loan
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Established Main Street businesses with steady deposits that need a defined amount for a defined purpose: a buildout, a second location, a big equipment repair, or replacing one or two merchant cash advances with one payment.
We arrange financing for businesses nationwide, except in California.
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 | $5,000 to about $1.5 million |
|---|---|
| Typical terms | 12 to 36 months, fixed payments |
| Credit | Options start in the mid-500s (consumer-facing) and around 600+ (B2B) |
| Time in business | As little as 1 month (consumer-facing) to about 2 years (B2B) |
| Revenue | Roughly $17,000+ a month in business deposits |
| Existing advances | One or two open advances can often be paid off; heavier stacks need a secured option |
| How fast | Decisions often come within a day or two of a complete file, and funding commonly follows within a week. |
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 business 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
Compare related options
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