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Business Term Loan*

Secure the capital your business depends on with fair and flexible business term loans. Whether it’s a bridge loan or gap funding, equipment financing or working capital funding, term loans have the flexibility to support your business needs.

 

*Business term loans issued by WebBank

3-Step Pre-Approval Process

  • Step 1

    Complete the online application

  • Step 2

    Upload the required documents

  • Step 3

    A Libertas representative will be in contact within 24 hours

Simplify the search for funding with a streamlined process that takes business owners from application to pre-approval in hours, not days.

 

Flexible Financing

Term Loan Details

Find the funding solution that best fits your business with flexible repayment terms and loan amounts.

  • Terms range from 12 to 24 months
  • Loan amounts of up to $2.5 million

How to Qualify

Ensure your business meets the baseline requirements to ensure a seamless approval process.

  • U.S.-Based Business
  • U.S. Citizen or Permanent Resident
  • Minimum of 2 Years in Business
  • Minimum of 625 Personal FICO Score
  • Minimum of $100k in average monthly deposits

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Take the next step in securing your business’ financial future with personalized term loans for business growth.

Frequently Asked Questions

How long will it take to receive funding?

It’s possible to receive funding the same day, depending on the requested amount. Generally, you will receive a conditional pre-approved offer the day you apply. Pre-approvals are subject to change based on subsequent due diligence.

 

What are the benefits of this type of funding?

Business Term Loans offer a higher level of speed, accessibility, flexibility, and transparency.

What’s the Difference between Revenue-Based Financing (RBF) and Term Loan?

Revenue-Based Funding (RBF) is not a loan but a purchase of future receipts. RBF is an unsecured, non-dilutive financial instrument that can be up to 12 months (estimated) with a maximum funding amount of $5,000,000 while Term Loans are eligible for repayment over 12 to 24 months and loan amounts up to $2,500,000.

 

How do I know if my business qualifies?

Minimum requirements are: two years in business, $100,000 in average monthly deposits, and a minimum 625 FICO. Approval is subject to the overall quality of the file.

 

How do I Make Loan Payments?

Payments are drawn directly from the business bank account of your choice on a daily, weekly, and in some cases on a bi-weekly or monthly basis. Payment frequency is determined based on the strength of the business as a whole and the payment structure of any existing advances or debt.

 

Can I payoff early?

Yes, you can payoff your loan at any time without penalty. A prepayment discount may be available.

 

What happens if I miss a payment?

Contact us. We ask that you reach out if you know you’re going to miss a payment. If a long-term issue arises, we are happy to reassess your file to see if you’re eligible for a modification.

 

Hear From Our Clients

  • “Because of our relationship with [Libertas] we’ve been able to take on bigger projects. We’ve been working with [the Libertas team] for about 5 years now, and it’s just been a perfect relationship for us. Libertas is our de facto business partner and we’re fortunate to have [them] in our corner.”

    Commercial Construction CEO
  • “[The Libertas] team is by far the most professional the most diligent, they ask the best questions, and have been the most consistent about maintaining long-term relationships.”

    Software & Tech CEO
  • “I consider the Libertas team partners; without them, we wouldn’t be the company we are today”

    Health & Wellness Online Retailer CEO
  • “As we’ve [worked together] over time, [the Libertas team] always closes the [funding] conversations with come to [us] first and they’ve continued that same personal touch.”

    Ambulance Service Provider CEO
  • “[Our] relationship with Libertas is outstanding. We trust [leadership and their team]. [Their industry] is generally not one of [trust and transparency] but [Libertas] is quite different, I have quite a bit of trust and faith in [them] and I have no bad things to say.”

    Oil & Gas Company Principal
  • “Libertas was very quick to understand what was being presented to them, they performed efficiently and decisively, and allowed the transaction to get done very smoothly.”

    Oil & Petroleum CEO

Funding Resources

Learn more about how term loans for business growth can empower expansion and accelerate your success.

  • Small business owner in construction getting financed
    Blog

    Finding the Right Funding for You - Revenue-Based Financing

    Revenue-Based Funding
  • Small business owners wearing aprons looking at computer
    Small Business Guide

    The Funding Fundamentals

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Access the funding you need at the speed of business.