IRONCLAD

Long-Term Business Loans.

Larger financing repaid over multiple years with lower monthly payments — the right tool for serious, planned growth rather than a quick patch.

Amounts $25K–$5M Term 1–5 years Funding 2–5 business days
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What It Is

Capital for the Long Game.

A long-term loan spreads larger financing across one to five years, which keeps monthly payments low and predictable. It's designed for investments that pay off over time — expansion, acquisitions, a new location, or major equipment — rather than a short-term cash gap.

With competitive fixed rates and longer amortization, a long-term loan is also a powerful way to consolidate and refinance higher-cost debt into a single, manageable payment that frees up monthly cash flow.

Best For

  • Funding expansion or a new location
  • Financing an acquisition or buyout
  • Purchasing major equipment or real estate
  • Refinancing costly short-term debt
The Process

How Long-Term Loans Works.

01

Apply & Document

Submit your application with financials so we can size the right amount and term.

02

Underwrite

We review your business in depth and structure competitive fixed terms over 1–5 years.

03

Fund & Build

E-sign and receive your capital in 2–5 business days, then put it to work on growth.

Rates & Terms

The Numbers.

Loan amount
$25,000 – $5,000,000
Term length
1 – 5 years
Interest from
8.9% APR
Origination fee
1 – 4%
Funding speed
2 – 5 business days
Prepayment penalty
None on most terms

Illustrative ranges. Actual amounts, rates, and fees are set by underwriting based on your business profile.

Eligibility

What You'll Need.

Larger, longer loans look harder at profitability and time in business — stronger files unlock the best rates.

  • 6+ months in business
  • $15,000+ in monthly revenue
  • 500+ personal credit score
  • Business bank account in good standing

Checking your options is a soft pull — it never affects your credit score. Most decisions land within hours.

Why Operators Choose It

The Benefits.

Lower Monthly Payments

Spreading repayment over years keeps each payment manageable.

Larger Amounts

Access up to $5M for serious, planned investments.

Competitive Fixed Rates

Lock in a predictable rate for the life of the loan.

Debt Consolidation

Roll costly short-term balances into one cleaner payment.

Predictable Budgeting

Fixed terms make long-range planning straightforward.

Room to Grow

Right-sized capital supports multi-year expansion plans.

Questions

Long-Term Loans FAQ.

Long-term loans run from one to five years. We match the term to the useful life of what you're funding so payments stay comfortable.

Expansion, acquisitions, new locations, major equipment, real estate, and refinancing higher-cost debt are all common uses.

It depends on the amount and structure. Smaller long-term loans may be unsecured; larger amounts are often secured by business assets at better rates.

SBA loans offer the lowest rates and longest terms but take 30–60 days. A long-term loan funds in days with a lighter paperwork load — a good middle ground.

Compare Options

Related Funding.

SBA Loans

Government-backed loans with the lowest rates and longest terms available.

Learn more

Equipment Financing

Finance vehicles, machinery, and tools with the asset as collateral.

Learn more

Short-Term Loans

A fixed lump sum in 24–48 hours when an opportunity or gap won't wait.

Learn more

Common industries that use a long-term loan: Manufacturing, Hospitality, Franchises.

Fund Your Next Chapter.

Let's structure capital around your growth plan.

Apply Now