A business term loan gives you a single amount of capital up front, repaid on a fixed schedule over a set term. You know the payment, the payoff date, and the total cost before you sign.
Fixed payments you can plan around
Your payment stays the same from the first one to the last. No variable rates, no surprises mid‑term.
Credit scores from 550
Decisions weigh your revenue and time in business first. A perfect score is not required.
A real person, not a portal
An advisor walks you through your application by phone.
Terms matched to the investment
Short terms for quick payoffs, longer terms for bigger projects. Your advisor sizes the term to your cash flow.
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Takes about a minute. No obligation.
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Secure formNo obligationReviewed by a real advisor
$250M+
in funding secured
24 hrs
fastest funding time
20+ yrs
combined funding experience
Do you qualify?
Straightforward criteria. Here’s what we look for.
Time in business
1+ year
Established businesses with a track record of revenue.
Monthly revenue
$15K+
Consistent monthly revenue across your accounts.
Bank account
Business checking
An active business checking account in the business name.
Credit score
550+
Your revenue matters more than your score.
Not sure you qualify? Most owners we talk to are closer than they think.
Funding options run from under $25K to $500K and up.
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Built for businesses making one big move.
These are the businesses we fund most.
Expansion & second locations
Established businesses opening a new location or territory.
Construction & contracting firms
General contractors and specialty trades scaling up crews.
Medical & dental practices
Clinics expanding operatories, imaging, or service lines.
Consolidating expensive debt
Owners replacing high-cost short‑term financing.
What is a business term loan?
A business term loan is the most straightforward structure in business financing: you receive one lump sum up front and repay it over a fixed term with a set payment schedule. The payment amount does not change. The payoff date does not move. From the day you sign, you know exactly what the loan costs and exactly when it ends.
That predictability is why term loans are the go-to structure for big, one-time investments: an expansion, a renovation, a major purchase, or a consolidation of more expensive debt. You match the repayment term to the life of the investment, so the asset pays for itself as you go.
Before you sign, your advisor shows you the rate, the payment, and the total cost of the loan. You see the full picture up front.
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How it works
1Request in about a minute. Share the basics in the short form. No documents needed to start.
2Review with your advisor. A real person takes your application by phone in about 15 minutes and structures a term around your cash flow.
3Receive your funds. Review your offer, sign, and get funded in as little as 24 hours after a completed application.
4Repay on a fixed schedule. The same payment, on the same schedule, until the loan is paid off. Nothing changes mid‑term.
Why business owners choose a term loan from Denali.
Built by entrepreneurs, for entrepreneurs.
Predictable payments
A fixed payment and a fixed payoff date mean you can budget the entire loan on day one.
Fast access to capital
Less red tape and less paperwork than traditional lending. Funding in as little as 24 hours after a completed application.
Terms sized to your project
Your advisor matches the term length to the investment so repayment tracks the revenue it generates.
Dedicated support
Experienced financial advisors guide you through every step of the application and funding.
Credit-score considerate
Decisions are based primarily on the health of your business, and we work with scores from 550.
Use it your way
Expansion, renovation, equipment, inventory, or consolidation. One lump sum, aimed where it matters most.
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What our clients say.
Real feedback from business owners funded through Denali Advance.
Term loan FAQs.
How is a term loan different from a line of credit?
A term loan delivers one lump sum up front with a fixed repayment schedule, which suits a single large investment. A line of credit is revolving: you draw only what you need and reuse it as you repay. If your need is ongoing, ask your advisor which structure fits better.
Are the payments really fixed?
Yes. Your payment amount and schedule are set when you sign and do not change for the life of the loan. Your advisor shows you the full payment schedule and total cost before you sign anything.
Will applying affect my credit?
Sending the short form does not run a credit check. Your advisor explains when and how credit is reviewed before anything is pulled.
What do I need to apply?
Just the short form to start. Your advisor will tell you exactly which recent business bank statements and details to send after your call.
Do I need collateral?
Many term loans are approved without specific hard collateral. Your advisor explains any standard lien or guarantee terms before you sign. Eligibility is based primarily on the revenue and track record of your business.
What credit score do I need?
We work with credit scores from 550. Decisions are based primarily on the health of your business, and steady revenue matters more than a perfect score.
What can I use the funds for?
Any legitimate business expense. Expansion, renovation, equipment, inventory, hiring, or consolidating higher-cost financing. You decide.
Still have questions?
Call and a real person walks you through it. The phone application takes about 15 minutes, and your advisor answers anything the page did not.
or email info@denaliadvance.com
Tell us about your business.
Share the basics. A funding advisor takes it from there.
- Your name, business name and best phone number
- How much funding you need and what it is for
- How long you have been in business
- Your average monthly revenue
