REAL ESTATE INVESTOR FINANCING
Business Term Loan Guide
Lump-sum fixed-payment capital and how the amount is set by the lender, not the deal.
What It Is
A lump-sum business loan repaid through a fixed monthly payment structure. Used for expansion, business-acquisition contributions, equipment, working capital, consolidation, and general business-purpose needs.
What Problem It Solves
A business needs a defined lump sum with a predictable payment schedule — not revolving capital, and not a short-term working-capital advance. A term loan provides the lump sum upfront and a fixed payoff schedule.
When It's Commonly Used
Expansion, business-acquisition contributions, equipment, working capital, consolidation, and general business-purpose use where a fixed payment is preferred.
Who Generally Qualifies
Operating businesses with ~$8K+/month in revenue and a 600+ FICO. The amount is set by the applicable lender based on business revenue, time in business, credit, and cash flow — not by the real estate deal.
How the Amount Is Determined
By the applicable lender based on business revenue, bank-statement history, time in business, credit, and cash flow. It is not a line of credit; it's a lump sum with a fixed payment schedule.
When to Use a Different Product
If the need is reusable capital drawn as needed, a Business LOC fits. If the need is short-term operating capital with same-day options, Working Capital is the route. If the core requirement (contract, spread, seller carry, or funded end buyer) is missing, a different product — or a restructured transaction — is usually a better fit than forcing the structure.
How Green Fire Structures It
Green Fire reviews the business revenue, bank statements, time in business, and credit, then identifies a lender whose term-loan structure fits the business's cash flow and use of proceeds.
Frequently Asked Questions
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The product page has the complete program specifications, pricing, and qualification snapshot.
View Business Term Loan ProgramRelated Guides
Working Capital Guide
Short-term operating capital, same-day options, and why it's not cheap long-term debt.
Read GuideEquipment Financing Guide
How the equipment itself secures the financing and how the amount is tied to equipment value.
Read GuideInvoice / AR Financing Guide
How account-debtor credit quality drives the advance, not the business's own credit.
Read GuideEducational content only. Guides describe how financing structures generally work and are not approvals, commitments, or guarantees of terms. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by provider, property, location, borrower qualifications, documentation, and deal structure. All financing is subject to independent provider review, underwriting, and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.
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