Business Term Loans for Small Businesses — Apply in Minutes
Borrow up to $1,000,000 over a 5–7 year term with fixed monthly payments. No upfront fees, no down payment, no prepayment penalty — and full liquidity the moment you fund.
Check Your Rate — It's FreeNo credit score impact • Free Fundability Consultation included
Business Term Loans for Small Businesses
A business term loan gives small businesses upfront capital repaid over a fixed schedule — making it one of the most predictable ways to fund growth, cover operating costs, or invest in new equipment. At ORP Group, we connect you with unsecured business term loans so you can access funding without pledging assets or navigating complex collateral requirements.
What You Get
One straightforward, unsecured term loan program — built around predictable payments and no surprises.
Loan Features
Up to $1,000,000
Terms: 5–7 year term
Rates: Prime + 2% APR
- No minimum length of time in business
- Fixed monthly payment
- No upfront fees or down payment
- Full liquidity immediately
- No prepayment penalty
Credit Requirements
680+ credit score
Terms: All 3 bureaus
Rates: Equifax, Experian, TransUnion
- 680+ personal credit score required
- Soft credit pull during application
- Hard pull only when you accept an offer
- Personal credit drives rate tier
- Co-applicants accepted
Income Requirements
$50K+ taxable income
Terms: 2 years of returns
Rates: Personal tax returns
- 2 years of personal tax returns
- $50,000+ taxable income each year
- Self-employed and W-2 both qualify
- Schedule C/K-1 income counts
- No time-in-business minimum
Why Get a Term Loan Through ORP Group?
Best Rates Available
Your single application gets competing offers, ensuring you get the most competitive rate and terms available.
No Hard Credit Pull
We use a soft credit check to evaluate your options — your credit score stays fully protected until you accept an offer.
Dedicated Funding Specialist
A real person reviews your application, answers your questions, and negotiates on your behalf to get you the best deal.
Free Fundability Consultation
Every applicant receives a complimentary business funding consultation to explore all available financing options.
Term Loan FAQs
Explore more financing options: Small Business Loans · Lines of Credit · SBA Loans · Revenue Based Funding · Invoice Factoring
Ready to Get Funded?
It takes less than 60 seconds to apply. No fees, no obligations, and no impact to your credit score.
Apply Now — It's Free