Term Business Loan
Predictable capital for planned growth
Amount
$5K – $500K
Term length
6 – 60 months
Funding speed
As fast as 4 hrs
Overview
A term loan gives you a single lump sum of capital that you repay over a fixed schedule with predictable payments. It's the most straightforward way to fund a specific, planned investment — an expansion, a hire, a renovation, or a large inventory buy.
Because your payment never changes, a term loan is easy to budget around. Kacu structures terms from 6 to 60 months so you can match the length of the loan to the return on your investment, and there are never prepayment penalties if you decide to pay it off early.
Key highlights
- Fixed monthly payments
- Terms from 6 to 60 months
- No prepayment penalties
- Funding in as little as 4 hours
What it's best for
Open a second location
Fund the build-out, deposit, and initial staffing with one predictable payment.
Buy inventory in bulk
Capture volume discounts from suppliers and pay it back as the stock sells through.
Refinance costlier debt
Replace a high-cost advance with a transparent, fixed-rate term structure.
Typical requirements
- 6+ months in business
- $15K+ average monthly revenue
- Business bank account
- No open bankruptcies
Requirements are guidelines, not hard cutoffs — we look at the whole business. Prequalifying never affects your credit score.
Frequently asked
Will applying affect my credit score?
No. Prequalification uses a soft pull that never impacts your score.
Can I pay it off early?
Yes — there are no prepayment penalties on term loans through Kacu.
Other funding options
Ready to move on Term Business Loan?
Prequalify with no hard credit pull and get a decision in as little as 4 hours.
Get Started