Long-Term Business Loans

For larger investments that require more time to pay off, our long-term loan options through our partner network provide extended repayment periods with manageable monthly payments. These financing solutions are ideal for significant business expansions, acquisitions, or major capital investments.

When to Consider Long-Term Financing

Long-term business loans are designed for substantial investments that will generate returns over many years. They’re not for everyday operating expenses or short-term cash flow needs.

Ideal Uses for Long-Term Loans

Business Acquisitions Purchasing an existing business or merging with a competitor requires significant capital. Long-term financing spreads this cost over years, aligning payments with the acquired business’s revenue generation.

Commercial Real Estate Buying or building business property is a major investment that benefits from extended repayment terms. Commercial real estate loans can extend 15-25 years.

Major Expansions Opening new locations, significantly expanding operations, or entering new markets often requires capital beyond what short-term financing can provide.

Large Equipment Purchases When equipment costs run into the hundreds of thousands or millions, long-term financing keeps monthly payments manageable while you put the equipment to productive use.

Infrastructure Investments Major upgrades to facilities, technology systems, or operational infrastructure that will serve your business for years.

Benefits of Long-Term Financing

Lower Monthly Payments

Spreading repayment over more years significantly reduces monthly payment amounts. A $500,000 loan over 5 years might require $9,000+ monthly, while the same loan over 10 years could be under $5,500.

Preserves Cash Flow

Lower monthly obligations leave more cash available for operations, marketing, and responding to opportunities or challenges.

Matches Asset Life

Long-term financing aligns loan payments with the useful life of the asset being financed. A building that will serve your business for 20 years shouldn’t be financed over 3 years.

Enables Larger Projects

Projects that wouldn’t be feasible with short-term financing become achievable when payments are spread over a longer period.

Tax Deductibility

Interest payments on business loans are generally tax-deductible, providing ongoing tax benefits over the life of the loan.

Long-Term Loan Options Through Our Partner Network

Traditional Bank Loans

• Terms: 5-10 years for general purpose, up to 25 years for real estate
• Rates: Competitive rates based on creditworthiness
• Requirements: Strong credit, established business, collateral
• Best For: Well-established businesses with excellent financials

SBA Loans

• Terms: Up to 25 years depending on loan type
• Rates: Lower rates due to government guarantee
• Requirements: SBA eligibility, extensive documentation
• Best For: Businesses willing to navigate the longer approval process for better terms

Commercial Mortgages

• Terms: 15-25 years
• Rates: Varies with market conditions
• Requirements: Property appraisal, down payment (typically 10-20%)
• Best For: Real estate purchases or refinancing

Equipment Finance Agreements

• Terms: Up to 10 years for qualifying equipment
• Rates: Competitive, often tax-advantaged
• Requirements: Equipment serves as collateral
• Best For: Major equipment purchases

Qualifying for Long-Term Financing

Long-term loans typically have stricter requirements than short-term alternatives because lenders commit funds for extended periods.

Credit Requirements

• Personal Credit: Generally 650+ preferred, 680+ for best terms
• Business Credit: Established business credit history preferred
• Clean History: No recent bankruptcies or defaults

Business Requirements

• Time in Business: Typically 2+ years, longer for larger loans
• Profitability: Demonstrated ability to generate profit
• Cash Flow: Sufficient to service debt payments
• Industry Stability: Business in stable or growing industry

Financial Documentation

• Tax Returns: 2-3 years of business and personal returns
• Financial Statements: Current and historical profit/loss, balance sheets
• Projections: Forward-looking financials for larger loans
• Business Plan: Especially for expansion or acquisition loans

Collateral

Most long-term loans require collateral to secure the financing:

• Real estate
• Equipment
• Inventory
• Accounts receivable
• Personal guarantee

The Long-Term Loan Process

Phase 1: Preparation (1-2 Weeks)

Gather financial documentation, prepare your business plan or investment summary, and get your records in order.

Phase 2: Application (1 Week)

Complete applications with one or more lenders in our partner network. We help identify the best matches for your situation.

Phase 3: Underwriting (2-6 Weeks)

Lenders review your application, verify information, order appraisals if needed, and assess risk.

Phase 4: Approval and Terms (1-2 Weeks)

Receive approval with specific terms. Review carefully, negotiate if possible, and accept the best offer.

Phase 5: Closing (1-2 Weeks)

Legal documents are prepared, collateral is documented, closing occurs, and funds are disbursed.

Total Timeline: 6-12 weeks for most long-term loans

Long-Term vs. Short-Term Financing

Factor	Long-Term Loans	Short-Term Loans
Term Length	5-25 years	6-24 months
Monthly Payment	Lower	Higher
Total Interest	More over loan life	Less overall
Approval Time	Weeks to months	Days
Credit Requirements	Stricter	More flexible
Documentation	Extensive	Minimal
Best For	Major investments	Quick capital needs

Industries We Serve

Our long-term financing solutions support Dallas businesses across various sectors:

Healthcare

Medical practices, dental offices, and healthcare facilities expanding their locations or upgrading major equipment.

Manufacturing

Manufacturing companies investing in production lines, facilities, or acquiring competitors.

Hospitality

Hotels, restaurants, and entertainment venues building new locations or major renovations.

Construction

Construction companies acquiring land, facilities, or major equipment fleets.

Professional Services

Law firms, accounting practices, and consulting firms purchasing office buildings or expanding operations.

Frequently Asked Questions

How long can repayment terms extend? Terms vary by loan type: up to 25 years for commercial real estate, 10 years for equipment, and 5-7 years for general working capital.

What size loans are available? Through our partner network, long-term loans range from $100,000 to several million dollars depending on purpose and qualification.

Are interest rates fixed or variable? Both options are typically available. Fixed rates provide payment certainty; variable rates may start lower but can change over time.

Can I pay off the loan early? Prepayment policies vary by lender. Some allow early payoff without penalty; others may charge prepayment fees, especially in early years.

How much down payment is required? Down payments typically range from 10-25% depending on loan type and lender. SBA loans may require as little as 10%.

Ready to Discuss Long-Term Financing?

If you’re planning a major investment in your Dallas business—an acquisition, expansion, real estate purchase, or significant equipment upgrade—long-term financing may provide the manageable payment structure you need.

Contact us to explore long-term loan options through our partner network, or if you need faster funding, ask about our short-term financing solutions that can provide capital in days rather than weeks.