Business Term Loans for Small Businesses — Apply in Minutes

There is no loan minimum or maximum. Borrow over a 5–7 year term with fixed monthly payments.

Soft credit pull only

Term loan

Funded: $500,000
Term: 84 monthly payments
Payment: $8,042 / month

Recent example. Not a quote.

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 Pro Capital, we connect you with unsecured business term loans for small businesses 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.

No loan minimum or maximum

5–7 year term

Rates starting at Prime + 1 (based on personal credit and debt-to-credit ratio)

No minimum length of time in business

Fixed monthly payment

Full liquidity immediately

U.S. Bank Prime Loan rate

Requirements

Two simple qualification criteria — no minimum time in business required.

Personal Credit

680+ personal credit score in all 3 bureaus — Equifax, Experian, and TransUnion.

Tax Returns

2 years of personal tax returns showing $50,000 or more of taxable income each year.

680+ personal credit score in all 3 bureaus (Equifax, Experian, TransUnion)
2 years of personal tax returns showing $50,000 or more of taxable income each year

Why Get a Term Loan Through Pro Capital?

No Hard Credit Pull

We use a soft credit check to evaluate your options — your credit score stays fully protected, and there is no hard pull.

Dedicated Funding Specialist

A real person reviews your application, answers your questions, and negotiates on your behalf.

Term Loan FAQs

Common questions about Pro Capital's unsecured term loans.

Two requirements: a 680+ personal credit score across all three bureaus (Equifax, Experian, TransUnion), and 2 years of personal tax returns showing $50,000+ in taxable income each year. There is no minimum time in business required.

There is no loan minimum or maximum. Term loans are repaid over a 5–7 year term with fixed monthly payments.

Term loan rates start at Prime + 1. Final pricing depends on the lender, the product, and your business profile.

No. Pro Capital uses a soft credit pull to evaluate your options — your credit score stays fully protected, and there is no hard pull.

Explore more financing options: Small Business Loans · Lines of Credit · SBA Loans · Invoice Factoring

Ready to Get Funded?

It takes less than 60 seconds to apply. No obligation, and no impact to your credit score.