Where Growth Meets Capital
::contentReference[oaicite:0]{index=0}
Where Growth Meets Capital

Term Loan

Predictable
Capital for Growth

Fixed monthly payments, clear payoff date, and capacity for bigger projects.

Owner reviewing numbers with a lender
Term Loan
  • Up to $6MTypical Limits
  • 12–24 moCommon Terms
  • 24-48 hrsTypical Funding*

*Timeframes vary by file; approval and terms subject to underwriting.

Get Prequalified for a Term Loan

Fill out the questions below!

NEXT

Fast Facts

Up to $6M
Typical Limits
12–24 mo
Common Terms
Fixed Monthly
Predictable Payments
~24-48 hours
Typical Funding*

*Fast decisions with our simple application process. Many files fund in roughly 24-48 hours once approved.

What is a Term Loan?

A term loan provides a lump sum up front with a fixed repayment schedule. You’ll make predictable monthly payments over a set term, with a clear payoff date—ideal for equipment purchases, renovations, rollouts, or longer-horizon projects.

Lump sum up front
Fixed monthly payments
Set term & payoff date

Loans are offered by third-party lenders. Rates, terms, and prepayment policies vary by program; early-pay options may be available. Personal guarantees and collateral can be required depending on the request.

Term Loans

Term Loans Built Around Your Cash Flow

$250k–$6M with monthly payments and terms up to 24 months. Dominate your market with our Capital Deployment Strategies that turn loans into growth.

Lower disclosure: By applying through Stratas LLC, you authorize us to share your application and documents with selected lending partners for credit evaluation. Offers, amounts, and rates are set by the underwriter after verification of revenue, bank activity, credit, and other factors. Submitting an application is not a commitment to lend or a guarantee of approval. Personal guarantees, liens, and additional documentation may be required. Early-payoff policies vary by lender. Credit inquiries (soft or hard) may occur pursuant to lender policy. By proceeding you agree to Stratas LLC Terms of Service, Business Financing Terms and Conditions, and Privacy Policy.

Looking to Finance Your Business?

Apply online and explore financing options for your business!

NEXT

A Quick Look at Term Loans

$250K–$6M
Loans Range
$750,000*
Average Loan Amount
Qualification
Based On Application
Support
Dedicated Funding Specialists

*Average amount based on historical Term Loan transactions; not a guarantee of approval or terms. Loans are issued by third-party lenders and are subject to verification of revenue, bank history, credit, and other factors. Personal guarantees, liens, and additional documentation may be required.

What is a Term Loan?

With our term loans, you can borrow a lump sum of capital and repay it over a fixed period. Repayment happens through regular installments with interest added on top. These loans are ideal when you need upfront capital to grow, expand, or stabilize operations.


Terms vary by program. Shorter durations can run months, while longer terms extend multiple years. The interest rate, schedule, and amount are set at the start, so your payment expectations are clear.

Top Benefits of Using Term Loans for Growth

Built for predictability, structure, and a clear repayment plan with monthly installments.

Predictable Monthly Payments

Fixed installment schedule helps you forecast cash flow and budget with confidence from month one.

Larger Funding Capacity

Typical limits up to $6M with our lender network—suited for bigger purchases, rollouts, or multi-month projects.

Clear Prequalification

12+ months in business, $35k+ average monthly revenue, and 600+ credit score. Final eligibility set by the underwriter.

Fast Decisions & Funding

Fast decisions with our simple application process. Many files fund in roughly 24-48 hours once approved.

Fixed Term, Clear Payoff Date

Know exactly when the balance will be repaid. Many programs offer interest-saving options for early payoff.

Flexible Use of Funds

Working capital, hiring, equipment, marketing, or renovations—apply the lump sum where it drives the most impact.

Loans are issued by third-party lenders and are subject to verification of revenue, bank history, credit, and other factors. Personal guarantees, liens, and additional documentation may be required. Timeframes vary by file. Submitting an application is not a commitment to lend or a guarantee of approval.

Top Benefits of Using Term Loans for Growth

Built for predictability, structure, and a clear repayment plan with monthly installments.

Predictable Monthly Payments

Fixed installment schedule helps you forecast cash flow and budget with confidence from month one.

Larger Funding Capacity

Typical limits up to $6M with our lender network—suited for bigger purchases, rollouts, or multi-month projects.

Clear Prequalification

12+ months in business, $35k+ average monthly revenue, and 600+ credit score. Final eligibility set by the underwriter.

Fast Decisions & Funding

Fast decisions with our simple application process. Many files fund in roughly 24-48 hours once approved.

Fixed Term, Clear Payoff Date

Know exactly when the balance will be repaid. Many programs offer interest-saving options for early payoff.

Flexible Use of Funds

Working capital, hiring, equipment, marketing, or renovations—apply the lump sum where it drives the most impact.

Loans are issued by third-party lenders and are subject to verification of revenue, bank history, credit, and other factors. Personal guarantees, liens, and additional documentation may be required. Timeframes vary by file. Submitting an application is not a commitment to lend or a guarantee of approval.

How to Apply for a Term Loan

  1. Fill Out the Form to Get Pre-Qualified

    Complete the short form below with basic business info so we can pre-check eligibility fast.

  2. Submit Your Application

    Upload bank statements and ID, then finalize your application for underwriting review.

  3. Receive Funding Offers

    Compare offers and terms. Your specialist will help you choose the best fit for cash flow.

  4. Get Funded

    Finalize docs and receive capital—often within 24–48 hours after approval and verification.

Get Prequalified for a Term Loan

Fill out the questions below!

NEXT

Is a Term Loan Right for You?

If your business does not meet these criteria, you may not be eligible for a term loan. However, you could still qualify for another Stratas funding product.

  • At least $50,000
    Average Monthly Revenue
  • 650 or higher
    Credit Score
  • Minimum of 24 months
    Time in Business

Term loans feature fixed repayment schedules and predictable payments. Availability, amounts, and rates vary by lender and credit profile.

What You’ll Need To Apply

Below are the documents and details we almost always require, plus items that may be requested depending on product, amount, and underwriting review.

Required for all applications

required

Basic Business Information

Legal name and DBA, EIN, business address, ownership percentages, entity type, industry, and contact details.

required

Signer Identification

Government ID and basic KYC for the authorized signer. Personal info may be used for a soft credit check.

required

Business Bank Statements

Last 3–6 months of statements to confirm deposits, cash flow, and account health.

required

Funding Account Details

Voided check or bank letter with routing and account number for funding and remittances.

required

Corporate & Ownership Documents

Articles/organization, operating agreement or bylaws, ownership ledger/cap table, active licenses, and IDs for owners.

Product-specific items (requested based on product and amount)

product specific

Business & Personal Tax Returns

Common for term loans and SBA requests, or for larger limits and longer terms.

product specific

Financial Statements

YTD profit & loss and balance sheet, plus a debt schedule; projections for startups or acquisitions.

product specific

Program Packets

Examples: A/R aging and invoices/POs for factoring; purchase contracts, appraisals, or environmental for real estate/equipment; franchise addenda for SBA.

product specific

Existing Debt Details

Statements or payoff letters for current loans or advances if consolidating or refinancing.

product specific

Collateral & Insurance Evidence

UCC search, equipment lists, COI, or landlord contact; required when collateral or assignments apply.

Tip: Submitting clean, consistent statements and complete ownership information shortens review time across all products.

Stratas — Where Capital Meets Growth

Capital Deployment Strategy. Funding with a plan.

We line up the right term loan or access to capital and a simple month-by-month plan: what the money buys, when it’s used, and what we expect back. Think marketing that fills the calendar, software that saves hours, faster payments, and weekly check-ins so nothing drifts.

Flagship

Term Loan / Access to Capital

For acquisitions, expansion, and working capital—with a plan behind every dollar.

$250,000 – $6,000,000typical funding range
  • Move quickly at competitive rates so you can secure the deal, equipment, or build-out.
  • Milestone releases + weekly reviews—you draw only what you need, when you need it.
  • SBA options (7(a), 504) Longer Terms Up to 16M

Why this works

Money alone doesn’t fix growth—how you spend it does. We help you decide where each dollar goes and how it comes back.

Every engagement runs on a weekly cadence: owners, targets, and a simple scorecard. You stay in control and see progress in real time.

  • 2,500+businesses served
  • $100M+funded
  • USAnationwide coverage
  • SBApartnered programs

How we deploy capital

  • Marketing (B2B & B2C)
    Ads and content that bring in qualified leads; CRM follow-ups that turn them into booked work.
  • Operational Software
    CRM, quoting, scheduling, and service tools built around how you sell and deliver.
  • AI Systems
    Phone/chat that answers and follows up, writing assistants for outreach, and simple dashboards for decisions.
  • Automations
    Automatic handoffs and reminders so tasks happen on time without extra headcount.
  • Payments
    Modern processing that releases funds fast and lowers fees—your cash stays in play.
  • Executive Consulting
    Clear owners, weekly reviews, and 3–5 KPIs that keep momentum.
We also offer
  • SBA Loans (7(a) & 504)
  • Lines of Credit
  • Revenue-Based Financing (MCA)
  • Invoice Factoring

Available nationwide.

Case Study

Multi-Location Dental Group

We deployed $1.0M across paid media, outbound, CRM clean-up, phone AI, and simple automations. The weekly scorecard tracked booked visits, show rate, and revenue per visit. Funds were released in stages only when each step was ready.

  • Payback: ~7 months
  • 12-month return: ~2.5× (about +$1.5M net)
  • Cost per new patient: down ~18%
  • Funds held: none—modern payments
Dental Office
View more case studies

How It Works

  1. Fill Out the Form to Get Pre-Qualified

    Complete the short form below with basic business info so we can pre-check eligibility fast.

  2. Submit Your Application

    Upload bank statements and ID, then finalize your application for underwriting review.

  3. Receive Funding Offers

    Compare offers and terms. Your specialist will help you choose the best fit for cash flow.

  4. Get Funded

    Finalize docs and receive capital—often within 24–48 hours after approval and verification.

Get Prequalified for a Term Loan

Fill out the questions below!

NEXT

Term Loan: Quick Eligibility Check

If one of these isn’t a match, you may still qualify for another product.

  • At least $35,000
    Monthly Revenue
  • 600 or higher
    Credit Score
  • 12+ months
    Time in Business

Stratas is a brokerage. Loans are issued by third-party lenders and are subject to verification of revenue, bank history, credit, and other factors. Personal guarantees, liens, and additional documentation may be required.

Application Checklist

Tip: Clean, complete statements + ownership info = faster decisions.

Stratas — Where Capital Meets Growth

Capital Deployment Strategy Funding with a plan.

We line up the right term loan or access to capital and a simple month-by-month plan: what the money buys, when it’s used, and what we expect back. Think marketing that fills the calendar, software that saves hours, faster payments, and weekly check-ins so nothing drifts.

City skyline at dusk
Flagship

Term Loan / Access to Capital

For acquisitions, expansion, and working capital—with a plan behind every dollar.

$250,000 – $6,000,000typical funding range
  • Move quickly at competitive rates so you can secure the deal, equipment, or build-out.
  • Milestone releases + weekly reviews—draw only what you need, when you need it.
  • SBA options (7(a), 504) when longer terms or larger projects make sense.

Why this works

Money alone doesn’t fix growth—how you spend it does. We help decide where each dollar goes and how it comes back.

Every engagement runs on a weekly cadence: clear owners, simple targets, and a short scorecard. You stay in control and see progress in real time.

  • 2,500+businesses served
  • $100M+funded
  • USAnationwide coverage
  • SBApartnered programs
How we deploy capital
  • Marketing (B2B & B2C)
    Ads and content that bring in qualified leads; CRM follow-ups that turn them into booked work.
  • Operational Software
    CRM, quoting, scheduling, and service tools built around how you sell and deliver.
  • AI Systems
    Phone/chat that answers and follows up, writing assistants for outreach, and simple dashboards for decisions.
  • Automations
    Automatic handoffs and reminders so tasks happen on time without extra headcount.
  • Payments
    Modern processing that releases funds fast and lowers fees—your cash stays in play.
  • Executive Consulting
    Clear owners, weekly reviews, and 3–5 KPIs that keep momentum.
Deployment playbook
  1. Validate: Baseline economics, capacity, and constraints.
  2. Build: Creative, funnel, CRM, and AI/automation builds.
  3. Launch: Phase-gated spend with benchmarks and guardrails.
  4. Optimize: Weekly scorecards & rapid A/B iteration.
  5. Scale: Expand channels and headcount against payback windows.
Case Study

Multi-Location Dental Group

Objective: Grow new-patient production while reducing no-shows and admin load.

Before
  • Fragmented leads & CRM
  • Slow responses (mins/hours)
  • No-show rate ~21%
After (12 mo)
  • Unified CRM + Phone AI
  • Responses in seconds
  • No-show rate ~9%
  • Deployed: $1.0M across media, outbound, CRM clean-up, Phone AI, automations
  • Payback: ~7 months
  • 12-month return: ~2.5× (about +$1.5M net)
  • Funds held: none—modern payments
Case study results visualization
View more case studies