Term Loan2024-05-09T15:56:28-04:00

Business Term Loan

Your Source for Business Term Loans

A stable, flexible way to get more working capital, grow your business, and build your credit.

Big Think Capital BBB A+ Rating
Certified Small Business Financial Professionals


all fields required


Loan Amount up to


Term as long as

7 years

Rate as low as

12% with Prepayment Discounts

Funded as fast as

72 hours

Get Fast Access to the Working Capital You Need to Grow Your Business

Has your business struggled to maintain a healthy supply of working capital? If so, consider pursuing a business term loan from Big Think Capital. We secure flexible loans at competitive rates fast. Once you reach out, we’ll work to get your business funded within 48 hours. We don’t take the first low-quality loan we find either—we secure stable loans oriented around growth.

With a relationship-driven approach, sweeping connections in the financial world, and advanced security measures, we’re the ultimate source for loans.

Set payments

Lower interest rates

Long repayment schedule

Get Started With a Business Term Loan

Provide basic information about your business. If approved, you can request funds and receive them in your account in as fast as 48 hours.

Minimum qualifications

  • 660+ Credit Score

  • 1+ Years in Business

  • $100,000 in Yearly Revenue

What you need to apply

  • Basic Details About You and Your Business

  • Bank Statements for Past 3 Months

  • Business Is in Good Standing

Start your application & secure the
funds your business needs today

Why Big Think?

A lot of organizations can help you track down term loans—so why should you work with Big Think Capital? We offer a unique blend of strengths when compared to other organizations. When you work with Big Think, you get:

man and woman disscussing finance charts
  • Competitive Rates, Fast: We secure high-quality loans at interest rates that are conducive to business growth—and we do it fast.

  • A Partner Committed to Your Success: It’s all about relationships at Big Think. We won’t push just any financing option on you, we work with you to find the best solution for your business.

  • Access to Sprawling Financial Connections: Big Think is internationally connected with finance industry titans. Work with us and tap into an international network of financial expertise.

  • Security-First Practices and Strategies: We employ cutting-edge cybersecurity practices that lock down our client’s data. Whether you’re working with us for a long-term loan or line of credit, you can trust us to keep your information protected.

Proven Excellence

Don’t just take our word for it—check out what our clients have to say:

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Frequently Asked Questions

What are the most common types of small business term loans?2022-12-01T20:31:23-05:00

The most common type of business loan, traditional term loans are what most people think of when they look for a loan. The bank or other financial institution loans you a lump sum of money, usually secured against collateral, and you pay that money back, principal and interest, with regular payments over a set time period. Interest can be fixed or variable, depending upon the amount of the loan and what the loan is for. The most common type of term loan, and the one we’re all familiar with, is a mortgage for a home or commercial property. Term loans work the same way.

While these loans usually come from a bank, there are other lending institutions available. Big Think keeps a comprehensive list of these lenders. Some lenders will only deal with certain types of businesses, while others focus on specific geographic areas.

If you qualify for this type of loan, you can use the money for anything your business needs, from equipment to expansion to covering short term cash shortages.

What are the pros and cons of small business term loans?2022-12-01T20:31:56-05:00


  • Set payments at regular intervals
  • Can be used for a wide variety of purposes
  • Relatively low interest rate
  • Long repayment schedule


  • Lengthy application process
  • May carry early payment penalty
  • Variable interest rates may increase

At Big Think, we can help you structure the best loan for your needs. If you’re confused or need clarification about the qualifying requirements for a loan, please contact us. We’ll be happy to help.

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