Business Term Loans
A straightforward, low-cost way to fund the investments that grow your business.
Capital for the Big Moves
When you’re ready to make a significant investment in your business (new equipment, expanded inventory, a major renovation), a Business Term Loan is typically your most cost-effective option. King Capital gives you access to a wide network of lenders with fixed and variable-rate programs and terms built around your cash flow.
Advantages of a
King Capital Business Term Loan
Fast Approvals
In as little as 2 hours!
Low Rates
Among the most competitive available for small businesses.
Flexible Programs
Fixed or variable rate options. Terms from 3 months to 10 years. Choose what works best for your business.
No Personal Guarantee Required
Secure funding without risking your personal assets or credit.
Funding Amounts
$10,000 to $2 million.
Immediate Cash
Funds deposited as soon as you’re approved.
How it works
You receive a lump sum upfront and repay it in scheduled installments over an agreed term. Payments include principal and interest, either fixed (same rate for the life of the loan) or variable (fluctuates with the market, typically tied to the Prime Rate). Most borrowers choose fixed-rate loans for the predictability and budgeting stability they provide.
Depending on the program, early repayment without penalty may be an option, which can significantly reduce your total interest cost. Business Term Loans require strong credit but deliver the lowest costs, highest amounts, and longest terms of any small business financing option.
Is a Business Term Loan the right choice for me?
If you’re making a major capital investment and have a solid credit profile, a Business Term Loan is likely your best path. These loans are built for improvements that will generate returns: new equipment, expanded capacity, higher inventory, facility upgrades. They’re also a powerful tool for consolidating higher-rate debt into a single, more manageable payment.
Note: Business Term Loans are designed for strategic, long-term investment, not short-term cash flow needs.
How to apply
Gather your docs
3 months of business bank statements.
Apply online or call us
Complete our Online Application or call (888) 811-6101.
We'll handle the rest
Our lending experts will walk you through your options and take it from there.