Fixed interest rates and shorter repayment terms

Great option when you need funds more quickly.


When is a bank term loan the right financing for your business?

A Bank Term loan from lenders in the Express Capital network is a short-term, fixed-rate loan with stable monthly payments. These loans are a great fit when you need funds quickly and want to lock in your interest rate. The same streamlined process is used for term loans through banks in the Express Capital network.

Proceeds from a Bank term loan can be used in a variety of ways to meet your business goals. Funds can be used for working capital, debt refinance, new equipment purchase, and more. Additionally, paying off a Bank Term loan responsibly helps to build business credit.

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  • Applying does NOT affect your credit

  • Loans offered in the United States and Canada ONLY

One application does it

There’s only one easy application to complete, whether you are applying for an SBA loan or decide to proceed with a Bank Term loan option. And our team of professionals are available online or over the phone to help you understand and navigate your

Bank Term loans are term loans meant to be repaid in a shorter amount of time than the 10-year term of a typical SBA loan. This type of loan can be a great way to get the funds you need to successfully build or maintain your business until you are eligible for an SBA loan.

Bank Term loans: Use of funds

Find out all the ways to use your bank term loan funds to build your business and save money.



•    2+ years in business

•    Business owners must be U.S. citizens or legal permanent residents

•    Business owners must have personal credit scores above 640

•    Cash flow to support loan payments


•    Bankruptcies or foreclosures in the last 3 years

•     Outstanding tax liens