Fully amortized installment financing from $50K to $350K — built for creditworthy businesses that qualify for bank-quality terms without the bank timeline.
The Prime Business Loan is a fully amortized installment product designed for established businesses with strong credit, consistent revenue, and clean financials. Think of it as the financing you'd expect from a traditional bank — without the 90-day wait and stacks of paperwork.
With terms up to 5 years, monthly payments, and no prepayment penalties, it's ideal for owners who want structured, long-term capital to fund meaningful growth.
Apply in minutes. No obligation, no impact to your credit score at this stage. We review your file and present your best available terms.
Start Free ApplicationThis product is designed for established businesses with strong fundamentals. Below are general benchmarks — not hard cutoffs.
Established track record shows lenders the business can weather cycles and sustain repayment over a multi-year term.
Demonstrates the cash flow capacity to service the loan comfortably within the required DSCR thresholds.
Strong personal credit is a key driver of rate and approval. The best rates go to the cleanest credit profiles.
No open judgments, recent bankruptcies, or excessive derogatory marks. Clean business and personal credit history preferred.
Regular, predictable monthly deposits — not seasonal spikes. Lenders want to see stable, repeatable revenue over 6+ months.
Ideal average ledger balance of $15K–$20K or more. Higher balances support stronger approval odds and better pricing on larger amounts.
This product requires more documentation than short-term products — but that's what unlocks better rates, longer terms, and larger amounts.
All business checking accounts, showing complete transaction history and consistent average daily balances.
Both business entity returns and personal 1040s. Required to verify income and calculate DSCR accurately.
Current year-to-date P&L and most recent balance sheet. Interim financials required for amounts over $150K.
A complete list of all existing business obligations — lender, balance, monthly payment, and maturity date for each position.
Understanding what lenders look for helps you put your best foot forward. Here's what drives approval and pricing.
Fewer than 10 NSFs total across the 6-month bank statement period. If present, a brief written explanation helps mitigate the concern.
Ideal average ledger balance of $15,000–$20,000+ in the primary business account. Higher balances support better pricing and larger approvals. Green card holders are welcome on this program.
ADB divided by total monthly debt obligations must be at least 4x. This confirms the business can cover its payments with comfortable buffer.
Business DSCR target: 1.15x or higher. Global DSCR (including personal obligations): 1.0x or higher. Calculated from tax returns and P&L.
Deals exceeding $150,000 require tax return support plus an interim P&L statement. These additional docs confirm income at higher loan thresholds.
SBA positions: no restrictions. Existing MCAs must be paid off at funding — maximum 2–3 MCA positions considered. Clean debt stack preferred.
No hard collateral required. The loan is secured by a simple UCC-1 blanket lien filing on business assets — standard for this product type, with no real estate or personal property pledged.
U.S. citizens and green card holders are both eligible on this program. Non-profit organizations are not eligible — for-profit businesses only.
The Prime Business Loan is a fully amortized installment product with defined underwriting criteria — 680+ FICO, 3+ years in business, $250K+ revenue, and DSCR requirements. It targets established businesses that qualify for structured, bank-quality terms with predictable monthly payments. Our general Term Loans product covers a broader range of situations and credit profiles.
Fully amortized means each monthly payment covers both principal and interest, with no balloon payment due at the end. Your balance steadily decreases with every payment, and you know exactly what you owe from day one.
Yes — there are no prepayment penalties. If your business generates excess cash flow, you can pay down or pay off the loan early and reduce your total interest paid without any fees or penalties.
Existing MCAs generally need to be paid off at the time of funding. Lenders will consider businesses with up to 2–3 MCA positions, but a clean debt stack is strongly preferred. We can structure a payoff plan as part of the deal if needed.
From completed application and documents, most deals fund within approximately 2 weeks. This is longer than short-term products because the underwriting process is more thorough — but the payoff is better rates and longer repayment terms.
Almost any legitimate business purpose: expansion, equipment, hiring, renovation, acquisition, inventory buildup, marketing, working capital reserves, or refinancing existing higher-cost debt at better terms.
No obligation, no credit impact. Apply in under 5 minutes and get real options within one business day.
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