A Business Term loan is a lump sum of capital paid back by regular fixed payments at a set interest rate over a set term. The term is typically between one to ten years long and interest rates average 9.99%. Term loans consist of two types, secured and unsecured. Unsecured term loans tend to be the most common type and the most flexible option. These loans are typically a faster alternative than an SBA (Small Business Administration) product with similar benefits. When it comes to this type of lending instrument, there is nothing unexpected especially being serviced by Dream Capital.

Business term loans are one of the most traditional lending options available. Unsecured business loans do not require the borrower to pledge any collateral, such as real estate or equipment. These loans are issued based on business and personal creditworthiness. Robust financials boost business credit. However, in today’s market, approval percentages are at the highest in years.

An unsecured term loan or secured business term loan is a straightforward, flexible loan that you can use to invest in and grow your business. Minimal paperwork is required, and funds can be distributed between 24 hours and seven days to expand your business, hire employees, increase inventory, and more. Contact Dream Capital and apply today.

Our unsecured term loans feature low-interest rates and comfortable repayment terms. Gain access to business working capital today and improve your cashflow.

Whether it’s running into a growth opportunity or needing capital for a specific equipment or inventory purchase, a small business term loan can help. Our goal is to guide you through your unique financial needs. With little restriction and a much easier process than traditional banking, this type of loan can be extremely beneficial to small business owners.

Sometimes your business runs into something unexpected. Maybe business is growing, and you need more delivery trucks, or maybe your oven broke down, and you need to replace it as soon as possible. Whatever your challenge is, a term loan can almost instantly increase your capital, allowing you to face it confidently.

Secured and unsecured business term loans can be a crucial benefit to ones organization. The quick access and flexibility tend to grant companies optimum borrowing capability.

Why Term Loans?

Easy Access to Versatile Capital
Set Payment Term with Longer Fixed Repayment Options
Minimal Financial Documentation
Low Cost of Funds
Expand your physical location
Build Business Credit
Purchase Equipment
Increase inventory


  • 1 Year in Business
  • $100,000 Minimum
  • Annual Revenue
  • 600+ Credit Score


  • Simple Process
  • Low Rates
  • Poor Credit Availability


  • Rates as low as 2%
  • Funding within 24 hours
  • Loan amounts up to $2,000,000 (Federally Guaranteed Term Loans up to $5 Million)
  • 1-10 year terms