Term Loans for a Planned Investment. A Fixed Payment, a Known End Date.
A lump sum repaid in fixed monthly payments over a set term, for an expansion, a purchase or a new location. Placed with our lending partners.
Term loans
A business term loan is a lump sum repaid in fixed payments, usually monthly, over a set term, with its cost stated as an interest rate and an APR. On Batch Capital's lending panel, term loan APRs start from 8.77% with terms up to 12 years, as of September 28, 2026.
Batch Capital places term loans with its lending partners. The lender is named in your agreement before you sign. Talk to Matt: +1 (201) 862-4048
The Terms, in Plain Words.
- How much
- Set per file, by revenue and by how much new payment the business can carry beside what it already owes.
- What it costs
- An interest rate and an APR, from 8.77% on our panel as of September 28, 2026. Ask for every fee in writing; fees move the APR.
- How it is repaid
- Fixed payments, usually monthly, that cover interest and principal together until the balance is zero.
- How long
- Up to 12 years on our panel. Shorter terms carry larger payments and less total interest.
- How fast
- As fast as 3 to 7 days from a complete file.
- Who qualifies
- 6+ months in business and $14,000+ a month in revenue on our panel. Credit is weighed more heavily than on an advance.
Timing depends on the provider, the time of day you apply, and how quickly documents arrive. Files submitted with complete bank statements before 2 PM Eastern on a business day are the ones that fund fastest. Not every file funds in a day.
Use It for the Right Job.
A planned investment
Steady deposits behind it
The lowest cost over time
When Something Else Fits Better.
You need the money this week
The need repeats every season
Real estate or buying a business
Run the Arithmetic.
Computed with the same math the desk prices an offer with. An estimate, not an offer.
A $100,000 Term Loan Over Three Years.
Repaid monthly at an illustrative 12% APR. Your rate is set by the lender on your file.
- Loan amount
- $100,000
- APR (illustrative)
- 12.0%
- Monthly payment
- $3,321.43 for 36 months
- Total interest
- $19,572
- Total repaid
- $119,572
The payment is the same every month for 36 months. Paying it early can save interest, so ask how prepayment works before you sign.
Estimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.
Run Your Own Numbers.
Drag or type any figure. Everything updates together.
APRs on our panel start from 8.77% (as of 2026-09-28). Your rate is set by the lender.
Monthly payment
$3,321.43
- Payments
- 36 monthly
- Total interest
- $19,572
- Total repaid
- $119,572
Fees move the true cost; ask for every fee in writing and compare offers on APR and total repaid.
See what you qualify forEstimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.
Have These Ready.
- 6+ months in business
- $14,000+ a month in revenue
- Three months of business bank statements and a government ID
- For larger requests, tax returns and financial statements
Our panel’s floors as of 2026-09-28. Meeting them does not guarantee an offer. Missing one does not always rule you out.
See Your Funding Options in a Minute.
Tap through a few questions. No hard credit pull, and Matt calls you back with real numbers.
How much are you looking for?
Commonly Asked Questions
A business term loan is a lump sum repaid in fixed payments, usually monthly, over a set term, with its cost stated as an interest rate and an APR. On Batch Capital's lending panel, term loan APRs start from 8.77% with terms up to 12 years, as of September 28, 2026.
What do I need to qualify for a business term loan?
What are term loan rates right now?
How long can a business term loan be?
Is a term loan better than a merchant cash advance?
Will checking my options hurt my credit?
How fast can I get a term loan?
Funded in Four Steps.
Answer a few questions
About a minute, on this page. No hard credit pull.
Matt calls you
He reads what you sent and tells you what fits before anything is signed.
Lenders compete for the file
Your file goes to the funders it fits. Compare offers on Estimated APR and total payback.
Sign and get funded
The funder is named in your agreement before you sign. Funds land in the business account.
Keep Reading
This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.
Find Out Where You Stand in a Minute.
A few quick questions, no hard credit pull, and a person in New Jersey who calls you back.