Short-Term Loan
Fast funding for near-term needs. Fixed payments over a short repayment window.
- $10K–$500K
- 3–18 month terms
- Fixed rates
- Best for: near-term, specific expenses
WESTVALVE FINANCIAL • TERM FINANCING
Term Financing for Small Business.
Structured financing for larger investments, expansion, and strategic business expenses. Fixed payments, defined terms, capital that matches the size of the opportunity.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALTERM FINANCING
FIXED PAYMENTS, DEFINED TERMS
Capital for your next move.
Expansion. Acquisition. A major purchase. Term financing gives you a lump sum today, repaid on a schedule you can plan around.
HOW IT WORKS
One lump sum, one clear schedule.
Term financing disburses capital once, upfront, repaid on fixed payments over an agreed period. It's built for specific, larger investments rather than day-to-day cash flow. We help you compare term structures across providers to match your investment horizon.
Medium-Term Loan
Structured financing for expansion, acquisition, or a major one-time investment.
- $25K–$2M
- 1–5 year terms
- Fixed or variable rates
- Best for: expansion, acquisitions
SBA Term Loan
Lowest rates, longest terms. SBA 7(a) and 504 programs for qualified borrowers.
- Up to $5.5M
- Up to 10–25 year terms
- Prime + 2.25–4.75% (capped)
- Best for: qualified borrowers, larger investments
Bridge Loan
Short-term capital to bridge a gap — while awaiting a sale, refinance, or longer-term funding.
- $50K–$1M
- 3–24 month terms
- Interest-only options available
- Best for: transitional financing needs
HOW TO CHOOSE
Match the term to the investment.
01
Near-term, smaller need?
Short-term loan — fast funding, fixed payments, done in months.
02
Expansion or acquisition?
Medium-term loan — larger amounts, multi-year repayment.
03
Qualify for SBA?
SBA term loan — lowest rates, longest terms, more documentation.
04
Bridging to something else?
Bridge loan — short-term capital while you wait on a sale or refinance.
REQUIREMENTS
What you need to qualify.
Short-Term Loan
- Credit: 550+
- Time in business: 6+ months
- Revenue: $100K+ annually
- Speed: 24-72 hours
Medium-Term Loan
- Credit: 620+
- Time in business: 1+ year
- Revenue: $250K+ annually
- Speed: 1-3 weeks
SBA Term Loan
- Credit: 680+
- Time in business: 2+ years
- Revenue: Profitable
- Speed: 30-90 days
Documents Needed
- 3-6 months bank statements
- 2 years business tax returns
- YTD profit & loss statement
- Business plan (for larger loans)
INDUSTRIES WE SERVE
Term financing for your industry.
Construction
Transportation
Healthcare
Professional Services
Manufacturing
Restaurants
Retail
Wholesale & Distribution
Technology
Franchises
Real Estate Services
Other U.S. Businesses
GET STARTED
Let's find your term financing solution.
Tell us about the investment you're planning. We'll match you with the right term structure and provider — no obligation.
FAQ
Questions about term financing.
What is term financing?
Term financing is a lump sum of capital disbursed once and repaid on a fixed schedule over a set period, with interest on the full amount from the start. It's structured for a specific, one-time need — expansion, acquisition, a major purchase — rather than ongoing or unpredictable expenses.
How long are term financing repayment periods?
Short-term financing typically runs 3-18 months. Medium-term loans run 1-5 years. SBA term loans can extend up to 10 years for working capital and equipment, or up to 25 years for real estate. The right term depends on what you're financing and how long it will generate value for your business.
What can term financing be used for?
Common uses include business expansion, acquiring another business, opening a new location, large inventory purchases, refinancing existing debt, or major one-time investments. It's not typically used for ongoing operating expenses — a line of credit or working capital product usually fits that need better.
What credit score is needed for term financing?
Alternative term loans: 550+ credit score. Bank and SBA term loans: 680+. Requirements vary by provider and loan size — stronger revenue and time in business can help offset a lower score.
How fast can I get term financing?
Alternative term loans: as fast as 24-72 hours. Bank term loans: 1-3 weeks. SBA term loans: 30-90 days. Larger loan amounts and SBA-backed products generally take longer to underwrite and close.