Term Loans that work on your schedule.
A lump sum of capital, repaid over a set period with fixed or variable payments. Predictable terms, clear cost of capital, and the stability to plan ahead.
Get my rate Learn moreWhat is a term loan?
No two businesses are the same. Business term loans are designed to meet your specific growth plans — from capital improvements and new equipment to expanding the team. Essentially, a term loan lets you act on any opportunity that comes your way, without touching daily cash flow.
Fixed payments
Predictable schedule makes budgeting easy.
Clear terms
Transparent cost of capital — no surprises.
How to get started
Apply for free
Short online application — 60 seconds, no obligation.
Review real offers
A Spark expert walks you through tailored offers side-by-side.
Get funded
Accept your favorite and receive funds in as little as 24 hours.
Advantages of a term loan
Fixed, predictable payments with competitive rates tailored to your revenue. Use the funds for expansion, marketing, hiring, equipment — whatever moves the business forward. No hidden fees and full control of your finances.
- Lower per-dollar cost than short-term advances for large projects
- Fixed interest rate option for true budget certainty
- No collateral required on most programs
- Simple monthly or weekly payment schedules