Business Line of Credit
Revolving working capital, draw only what you need.
Learn moreUS lead product · Working capital
Term Loans
Traditional and online fixed-payment term loans.
$25k – $500k1 – 5 years2 days – 3 weeks
- Fixed monthly payments
- Bank and online lender variants
- Great for consolidation and one-time investments
What is term loans?
Term loans are the most familiar business finance product, a fixed lump sum, a fixed rate, a fixed monthly payment over 1–5 years. Online lenders have made these products bankable for businesses that couldn't clear a traditional bank credit committee.
Because the structure is well understood, borrowers arrive knowing what they want, which drives high close rates for buyers with the right rate card.
Product mechanics
Key numbers your BDO team should know before the first call.
- Loan range
- $25k – $500k
- Typical term
- 1 – 5 years
- Indicative rates
- 8% – 30% APR (indicative)
- Funding speed
- 2 days – 3 weeks
- Typical borrower
- Established SMEs financing a specific project, expansion, or debt consolidation.
- Why brokers want these
- Predictable structure buyers can price quickly; strong for consolidation plays.
Common use cases
- Consolidating multiple higher-cost advances
- One-time expansion investments
- Refinancing bank debt at a better rate
- Funding a specific capex project
Typical borrower qualifications
- 1+ year TIB
- $15k+ monthly revenue
- FICO 620+
Why brokers buy from us
Why working capital brokers buy term loans leads from us
What makes this feed different from generic aggregator flow.
Consolidation payoff schedule pre-built for files with 2+ existing positions
Fixed-payment intent captured, no wasted underwriting on borrowers who really want MCA
FICO 620 floor keeps out subprime files that belong in MCA / alt-finance
Compare
How term loans compares to adjacent products
Help your team route enquiries to the right product on day one.
vs SBA 7(a)
SBA is lower-rate and longer-term but 30-90 day close; term loans fund in days at higher APR.
vs Merchant Cash Advance
MCA is factor-priced with daily ACH; term loans are APR-priced monthly, pick based on merchant's cash-flow rhythm.
View Merchant Cash Advancevs Business Line of Credit
LOC is revolving with pay-as-you-draw; term loan is one lump sum for a defined project with a defined payback.
View Business Line of CreditOur lead generation process
How we generate term loans leads
Every enquiry is captured, consented and vetted before it reaches your CRM.
Source channels
- Google Search Ads on 'business term loan' and 'consolidate business debt'
- SEO for MCA-consolidation and payoff-calculator content
- Retargeting from LOC and MCA visitors who indicated preference for fixed payment
- Comparison partnerships (Nav, Lendio-style marketplaces) for co-branded flow
Data captured on each lead
- Requested loan amount, preferred term and monthly payment target
- Use of funds (consolidation, capex, expansion, refi)
- Time in business, revenue and owner FICO
- Existing debt schedule, outstanding balances and monthly payments
Vetting workflow
- 1-year TIB, $15k revenue and FICO 620 gate applied at capture
- Consolidation payoff analysis prompt when 2+ existing positions disclosed
- Restricted-industry and state filter honored per buyer
- TCPA + CAN-SPAM consent with IP, timestamp, source URL
What a lead looks like
Verified enquiry
$25k · Term Loans
LLC · US-based · phone-verified decision-maker · TCPA consent on file
- Requested loan amount, preferred term and monthly payment target
- ✓
- Use of funds (consolidation, capex, expansion, refi)
- ✓
- Time in business, revenue and owner FICO
- ✓
- Existing debt schedule, outstanding balances and monthly payments
- ✓
Who this suits & how we qualify
Best fit for
Online lenders, community banks, and consolidation specialists.
Qualification standard
- 1-year TIB, $15k revenue and FICO 620 gate applied at capture
- Consolidation payoff analysis prompt when 2+ existing positions disclosed
- Restricted-industry and state filter honored per buyer
Turnaround
Fresh, consent-captured enquiries delivered to your CRM inside your agreed response window.
Broker FAQs
Common questions from buyers of term loans leads.
Related products
Other working capital lead flows we supply.
Merchant Cash Advance
Advance against future card sales, flexible repayments.
Learn moreAlternative Financing
Short-term & unsecured term loans outside traditional bank underwriting.
Learn moreReady for vetted Term Loans enquiries?
Tell us your credit box and volume, we'll come back within one business day.