Long-term business loans
Finance significant, long-horizon projects with this strategic and structured capital solut
Finance significant, long-horizon projects with this strategic and structured capital solut
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Billion in Financing
Small Businesses Financed
With an expansion business loan, access advantages like:
While criteria are customized, businesses generally require:
A long term business loan is a financing option designed for established companies that need access to a larger amount of capital at a lower rate to support steady growth.
Maximize your business potential:
Explore your options without impacting your credit score
Click “Get Started” to begin your application for a working capital loan.
Have essential documents ready, including bank statements and a government-issued ID, to speed up the approval process.
Your application will be reviewed and you could be approved in as fast as same day.
Once approved, the loan amount can be deposited directly into your business bank account so you can put it to work immediately.
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Chasewood Financials has helped over 46,000 small businesses across the U.S. access the capital they need. Our streamlined processes and expert guidance earn us a 4.8 out of 5 rating on Trustpilot.
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Our team of business term loan lenders is ready to guide you through your options, helping you determine if unsecured business loans long term or other solutions are right for your business.
Ideal for businesses needing quick access to short-term funding, even with less-than-perfect credit.
Secure capital for major projects and future growth with confidence through long-term loans
Flexible access to working capital whenever your business needs it, keeping operations smooth.
Can’t find the right fit? Explore all of Chasewood Financials’ business financing options for personalized support
Long-term business loans allow you to pursue major business objectives with structured repayment terms. Whether opening a new location, expanding your team, or launching a new product, these expansion loans provide the capital you need to achieve your goals.
When you apply for a long-term business loan, you receive the entire loan amount upfront. This capital can be used to fund growth initiatives and set your business on a path to long-term success. The loan is repaid over an extended period in manageable monthly payments.
Because long-term loans are repaid over a long time, interest rates are typically lower. However, your business will need to allocate funds monthly for several years.
It’s crucial to run the numbers to ensure the investment will take your business to the next level. Short-term loans, like working capital loans, are better suited for immediate needs or seasonal cash flow fluctuations.
Use our small business loan calculator to see your approved financing amount and estimated monthly payments based on your business profile.
Long-term business loans allow companies to undertake large-scale growth projects while spreading payments over time. Many expansion projects, like new locations or product launches, take time to yield returns.
Whether expanding operations, purchasing equipment, entering new markets, hiring more staff, or launching products, long-term loans provide the capital and repayment flexibility to reach the next stage of growth. Lower monthly payments also help maintain positive cash flow.
Long-term small business loans are available from banks, credit unions, and online alternative lenders. Traditional banks often have strict eligibility requirements and slow processing times.
Applying online through an alternative lender like Chasewood Financials offers speed and accessibility for businesses that want to act quickly or don’t meet traditional bank criteria.
Many lenders classify loans as “term loans.” Long term business loans generally refer to term loans with repayment periods of three years or more.
Long-term loans are typically flexible and can be used to fund a variety of growth opportunities, as determined by the business owner. Certain loans, like commercial mortgages or equipment financing, may have purpose-specific requirements.
Always review the loan terms before signing to ensure the loan meets your objectives.
The right loan depends on your business needs. Short-term loans have faster qualification, shorter repayment, and are ideal for seasonal or immediate capital needs, though interest may be higher.
Long-term loans, on the other hand, are suited for enduring growth projects. They offer lower interest rates, longer terms, and often have stricter borrowing requirements. Both types of loans have advantages, so choose the funding that fits your business goals. Chasewood Financials can help identify the best option.
Lenders evaluate your creditworthiness, including personal credit score and business financials, to determine eligibility. Meeting minimum requirements, such as cash flow and credit scores, can qualify you for a loan offer. Review terms carefully before accepting to ensure it aligns with your repayment capacity.
Expanding exposes your products or services to a wider audience, increases revenue, and grows your customer base. A single location limits earning potential, so additional space, staff, and resources are needed. Long-term loans provide the upfront capital necessary to make these investments
Large-scale projects often require long term commercial loans or equity financing. SBA loans, crowdfunding, or angel investors are alternatives depending on your needs. Lines of credit or business credit cards are options but usually cost more in interest over time. Long-term loans remain the most practical solution for sustainable growth.