Need Funding? Find the Best Long-Term Business Loans Now

Did you know businesses with long-term loans have 50% lower monthly payments than those with short-term financing? If you want to expand, refinance debt, or invest in growth, a long-term business loan is your best bet.

Compare top lenders, check eligibility, and find the best financing for your business today!

What Are Long-Term Business Loans?

A long-term business loan provides funding over an extended period, typically 3 to 25 years, offering lower interest rates and predictable payments. These loans are ideal for:

Expanding your business
Purchasing equipment or real estate
Refinancing debt at lower rates
Funding large-scale projects

Why Choose a Long-Term Business Loan?

Lower interest rates than short-term loans
Larger loan amounts (Up to $5M)
Easier monthly budgeting with fixed payments
Flexible repayment terms tailored to your needs

See if you qualify for a long-term business loan today!

Top 5 Best Long-Term Business Loans for 2025

1. Flexible Business Loan Providers

Loan Amount: $50,000-$5M
Interest Rate: Competitive market rates
Term Length: 3 – 25 years
Minimum Credit Score: 600+
Compare top business loan options now!

2. Quick Approval Loan Options

Loan Amount: Up to $250,000
Interest Rate: Low-interest business loans available
Term Length: 3 – 10 years
Minimum Credit Score: 620+
Find fast business financing with easy approvals.

3. Small Business Loan Alternatives

Loan Amount: $5,000-$500,000
Interest Rate: Varying rates based on financial history
Term Length: 2 – 10 years
Minimum Credit Score: 650+
Explore financing solutions designed for small businesses.

4. Low-Interest Business Loans

Loan Amount: Up to $5M
Interest Rate: Some of the lowest rates available
Term Length: 10 – 25 years
Minimum Credit Score: 680+
See if you qualify for lower-interest business financing.

5. Alternative Business Loan Providers

Loan Amount: Up to $150,000
Interest Rate: Competitive industry rates
Term Length: 3 – 7 years
Minimum Credit Score: 600+
Find flexible business funding options today!

Need the best loan? Compare options and check eligibility instantly!

Bank Loans vs. Online Lenders: Which Is Better?

Find out which loan type is right for you! Click to compare options.

How to Qualify for a Long-Term Business Loan

Credit Score: 600+ for most lenders (680+ for SBA loans).
Business Revenue: $50,000–$250,000 per year, depending on lender.
Time in Business: 6 months–2 years+ (varies by lender).
Collateral: Some loans may require business or personal assets.

Think you qualify? Find loan providers that match your profile now!

Best Alternatives to Long-Term Business Loans

Business Lines of Credit: Borrow only what you need.
Invoice Factoring: Get funding against unpaid invoices.
Equipment Financing: Loans for purchasing business equipment.
Business Credit Cards: Great for managing short-term expenses.

Not sure which financing option is best? Compare loan alternatives now!

FAQs

What credit score is needed for a long-term business loan?
Most lenders require a credit score of 600+, but SBA loans typically require 680+.

What is the longest loan term for small businesses?
Most lenders offer up to 25 years, but 5-10 years is the most common range.

Can I get a long-term business loan with bad credit?
Yes! Some lenders offer options for credit scores as low as 550, though higher interest rates apply.

How much can I borrow with a long-term business loan?
Loan amounts vary from $5,000 to $5 million, depending on financial qualifications.

Still have questions? Find the right loan for your business today!

Find the Best Financing Option

A long-term business loan can make a significant impact on your company’s growth and stability. Explore your options, compare rates, and find the best financing solution today.

Ready to explore financing options? See what’s available now!

Fast Funding Business Loans: Get Approved & Funded Quickly