One lump sum. One clear schedule.

Borrow a set amount, repay it on fixed installments, and know your total cost before you sign. Built for owners who already know what the capital is for.

Start your application Call (516) 268-2466

How it works

Simple structure, priced like a real loan.

You receive the full amount up front and pay it back in equal weekly or monthly installments. Because the schedule is fixed, you can put the payment straight into your budget and plan around it.

Lenders look mainly at the money moving through your business account and how long you have been operating. Strong, steady deposits usually matter more than a perfect credit score.

Repayment: Fixed weekly or monthly
Collateral: Often unsecured under $500K
Typical security: UCC filing + personal guarantee
Early payoff: Varies by lender, we flag it upfront

Who it's for

Where you stand, and what to expect.

2+ years in business, steady deposits

Best pricing and the longest terms on the table.

1 to 2 years in business

Approvable, usually with a shorter first term. A strong payment history can open a refinance into better terms later.

Bruised credit, strong revenue

Still workable. Expect a higher rate or shorter term, and we look for a path to improve it.

Common uses

What owners use it for.

Inventory ahead of a busy season
Build-outs, renovations and a second location
Bridging slow-paying customers
Paying off expensive short-term advances
Buying out a partner or a competitor

Term loan or SBA?

Speed now, or the lowest cost later.

An SBA loan usually costs less per month, but it can take weeks and asks for much more paperwork. A term loan closes in days. When timing allows, we can run both at once so you can choose with real numbers in hand.

Talk to an advisor

	Term loan	SBA loan
Time to fund	2 – 5 days	3 – 6 weeks
Paperwork	Light	Heavy
Monthly cost	Higher	Lower

Getting started

What you'll need.

Most applications take a few minutes. Have these ready and your file moves faster.

Your last 4 months of business bank statements
Business legal name, EIN and start date
Owner ID and basic contact details
Amount needed and what it is for

Prefer to talk first?

Speak with an advisor about your numbers before you apply. No cost, no obligation.

Call (516) 268-2466

Or email info@peakstonecg.com

FAQs

Term Loans, answered.

How quickly can I get the money?

Most files fund in 2 to 5 business days once statements are in. A complete file on day one is the biggest thing that speeds it up.

Is a term loan the same as a cash advance?

No. A term loan has a fixed payment schedule and is priced as an interest rate. A revenue-based advance is repaid from a share of your sales and priced with a factor rate.

Do I need to put up collateral?

Many term loans under $500K are unsecured beyond a standard lien filing and a personal guarantee. Larger amounts may need specific collateral.

Will you pull my credit to start?

No. We start with your application and bank statements. If a lender needs a credit check, we tell you before it happens.

Not quite the right fit?

Tell us what the capital is for and we will point you to the structure that fits.

Ready when you are

See what your business qualifies for.

Start your application in a few minutes. One advisor will walk you through every option.

Apply Now Call (516) 268-2466