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Fixed-Term Loan

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Fixed-Term Loan

A structured loan repaid over time with fixed payment terms

A term loan provides capital to expand operations, such as upgrading facilities or purchasing stock. You receive funds in one lump sum and make consistent payments over a predetermined schedule until the loan is fully repaid.

Stellar Advance Group

Structured long-term funding designed to support sustainable expansion

01.

How funding works

  • Businesses with established credit can qualify for extended-term loans at competitive rates
     

  • Repayment is made in equal monthly installments over the loan term
     

  • Interest rates typically fall between 7.9% and 24.99% depending on risk factors
     

  • ​Terms range from one to five years based on loan size and qualifications

02.

Rates are based on

  • Type of industry your business operates in
     

  • Purpose for which the funds are being used
     

  • Personal and business credit history
     

  • ​Profit margins and general financial condition of the company

03.

Ask Yourself

  • Do you already have an active long-term business loan?
     

  • Have you completed repayment on any previous term loans?
     

  • How do you plan to use the funds from this term loan?

04.

Required Documents

  • 6 months of the most recent business bank statements
     

  • Last 2 years of business tax returns plus 1 year of personal tax return
     

  • A complete list of current business debts and monthly payments
     

  • Personal financial statement from the last 60 days (include balance sheet and P&L if applying for over $800,000)

05.

Good to Know

  • Securing a term loan usually takes 2-3 weeks, as it involves a more detailed review process
     

  • Term loans come with the most favorable interest rates we offer
     

  • If you’re not approved, we’ll explain why and guide you with steps to improve your chances next time

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Success Stories

Discover how businesses have achieved remarkable growth and financial stability with the support of Stellar Advance Group.

Stellar Advance Group

​Stellar Advance Group has been instrumental in helping us secure the funding needed to expand our operations. Their dedication to our success is truly commendable.

Emily Robertson

Ready to Grow Your Business?

​Connect with our financial experts to explore the best funding options for your business today.

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