Business Term Loans
Provide funding to buy, refinance, or develop property. These loans offer options like fixed or variable interest rates, and are available for residential or commercial properties.
Business Term Loans at A Glance
What to Expect
Lines of Credit
From $5,000,000
Repayment terms
6 to 124months
Payment Options
Weekly, or Monthly
Available through
PCG & Our Finanacing Network
Business Term Loans: The Smart Way to Grow Your Business
When it’s time to invest in your business, you need a loan that’s as reliable as your vision. Our Business Term Loans offer a straightforward way to access funding with predictable repayment terms and competitive interest rates.
How Business Term Loans Can Help You
Expand Your Business: Open new locations, renovate existing spaces, or grow your team.
Purchase Equipment: Get the tools and technology you need to stay ahead of the competition.
Boost Working Capital: Cover day-to-day expenses and seize new opportunities without financial strain.
Refinance Debt: Simplify your finances with better terms and lower payments.
Who Qualifies?
Our Business Term Loans are designed for entrepreneurs and businesses ready to take the next step. With straightforward requirements and a quick approval process, getting funded has never been easier.
Why Choose a Business Term Loan?
Predictable Payments
Fixed monthly payments make it easy to plan your cash flow.
Flexible Terms
Choose loan terms that align with your goals—whether it’s short-term needs or long-term growth.
Competitive Rates
Keep costs low with attractive interest rates tailored to your business.
No Surprises
Transparent terms and no hidden fees mean you know exactly what to expect.
Let’s Get Started
Ready to fuel your business growth? Apply today, and let us show you how easy it can be to secure the funding you need. We’re here to support your success every step of the way!
Time in Business
3+ Months
Annual Revenue
$150k+
Credit Score
600
A Guide to Business Loan Requirements
Managing risks is a natural part of being a small business owner, and we understand that. That’s why we need to evaluate several key factors to gauge the health of your business and decide if taking on new debt is the right move. Here are the essential elements we assess and the reasons behind them:
Annual Revenue
Steady annual revenue is crucial in showing your business’s financial stability and capacity to handle payments. Our goal in Pennington is to ensure that any financing you take on won’t cause financial stress or negatively affect your business.
Personal Credit Scores
Personal credit scores give us a glimpse into how you manage debt personally, which can be an indicator of how you’ll handle business debt. If your credit score is low, connect with one of our financing specialists to explore alternative options that may be available to you.
Time In Business
Lenders favor businesses that have been operating for at least two years, as this indicates a higher chance of long-term success. A two-year track record allows lenders to observe sales trends, helping them determine the appropriate loan amount, terms, and repayment plans that will best support your business.
These criteria are just a starting point when evaluating loans for small businesses. A more in-depth analysis, which looks beyond the numbers to understand the full scope of your business, is often used to make final financing decisions.
Ready to Get Started?
Connect with a Pennington Business Financing Specialist to find out more
Discover Additional Financing Opportunities
Credit Card Stacking
It’s the art of turning a handful of credit cards into a cash-fueled rocket for your business. It’s like building a money tower—one 0% interest card at a time—without risking your shirt or giving up control. Think of it as your secret weapon to fund growth while keeping the banks on their toes.
Real Estate Loans
Real Estate Investment loans don’t have to be a headache. Whether it’s commercial, residential, or mixed-use, we’ve got the funding to fit your needs. Choose from variable or fixed rates, with terms from 5 to 25 years, and up to 30-year amortization. We also offer Real Estate secured lines of credit and Construction loans. Need the best rate? Go full doc. Need to close fast? We’ve got stated income products. Whatever your deal, we’ll make it happen—hassle-free!
Purchase Order Financing
Get a financial jumpstart to fulfill big orders. A lender fronts the cash to cover supplier costs, so you can deliver without draining your pockets. Think of it as your secret weapon to say “yes” to that massive order, even if your bank account says “not yet!”
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