One lump sum, one fixed plan, zero guesswork
Borrow a set amount and clear it in predictable repayments over a term that fits the job. Competing lenders answer one request, and nothing hard hits your credit file unless you accept an offer.
Borrowing with a beginning, a middle and an end.
The money arrives up front, the repayments chip away at it on a fixed timetable, and once the final instalment is paid the facility closes. It does not refill as you pay it down, which is exactly what makes it a clean fit when you already know the figure and what it is for.
One amount, once
A single lump sum, agreed before it lands. Nothing to draw down later and nothing left open behind you.
Instalments you can budget
Most term loans amortise, so every instalment covers a slice of the interest and a slice of the balance until it reaches zero.
A date the debt stops
The term is set at the start, so the last payment has a date on it from the beginning rather than whenever trade allows.
Term loans can usually be arranged secured or unsecured, and that choice shapes the rest of the deal. Either way the decision, the amount and the terms sit with the funding partner and are subject to their approval.
Spending that already has a price on it.
Planned, defined projects are where the fixed shape earns its keep: you are matching a fixed cost to a fixed benefit, which is what this product was built for.
A refit with a builder’s quote on it
The shopfront, the kitchen line, the treatment rooms. Someone has already priced the work, so the figure exists before the borrowing does.
Opening a second site
Deposit, fit-out and the quiet weeks before the new site trades properly. One project, one bill, and a term you can match to how long it takes to carry itself.
A vehicle or a machine you will own
A term loan buys it outright and spreads the cost while it earns. Where the asset itself can carry the finance, the specialist route is often the keener one. Compare asset finance.
Consolidating costlier borrowing
Several short, expensive commitments replaced by one balance on one schedule, so the monthly picture stops moving. Compare on the total cost, not the headline rate.
Hiring ahead of growth and topping up working capital belong here too, as long as you know the figure. If you do not, the honest answer is usually a different shape.
One request brings the amount, the term and the total cost back on paper, and looking is a soft search.
The term is where most of the decision sits.
The trade-off is consistent. A shorter term means higher individual repayments but less total interest paid, while a longer term lowers each repayment and usually costs more overall. Match the term to the life of whatever you are funding.
What a funding partner is weighing
They are answering one question: can this business comfortably make the repayments for the whole term? Having a clear picture ready tends to make the process faster and the offers stronger.
- How long the business has been trading, and whether income is steady
- Revenue and cash flow, which set how much you can realistically support
- Your business and personal credit profile and any existing debts
- What the funding is for, since a clear, productive purpose reassures lenders
- Whether the loan is secured against an asset or backed by a personal guarantee
When a term loan is the wrong shape.
A fixed sum on a fixed schedule is a strength when the need is defined and a constraint when it is not. These are the cases where something else fits better.
- You already know the amount, because someone has quoted it
- The spend happens once, on a date, rather than trickling through the year
- What you are funding keeps earning across the life of the term
- You want the payment fixed in the budget instead of moving with trade
One request covers all of these products at once, so you can see the shapes side by side rather than committing to one before you have compared them.
The need rises and falls
If the amount changes month to month, or you do not yet know the figure, a fixed lump sum and a fixed schedule are more rigid than helpful. Revolving credit lets you draw, repay and draw again.
Compare a line of creditThe money is earned but unpaid
If the squeeze is invoices sitting on someone else’s payment run, borrowing against your own ledger usually matches the problem more closely than adding a term loan on top of it.
Compare invoice financeThe gap is short and seasonal
A temporary timing squeeze between money out and money in is a short-term problem. Funding it over years leaves you paying for a gap that closed long ago.
Compare working capitalYou would rather not pledge anything
If the sticking point is putting up property, stock or equipment, that is a separate decision from the shape of the borrowing. Unsecured lending is judged on how the business trades rather than on what it owns, usually at smaller amounts and shorter terms.
Compare unsecured business loansPick the range you have in mind and see which shapes come back for it.
One request, and nothing hidden in it.
You describe the business and what you need once. That request goes out across a network of funding partners who compete to put real offers in front of you, and comparing them is a soft search with no impact on your credit score.
A full credit check only happens if you decide to accept a specific offer and move ahead with that partner. Capvant is a funding marketplace, not a lender. See the full walk-through.
Frequently asked questions
What is business term loan?
Borrow a fixed amount and repay over a set term with predictable instalments. Through Capvant you compare business term loan offers from multiple funding partners in one place, then choose what works for your business.
How much can I borrow?
Amounts depend on your trading history, turnover and the offers our partners make. Many businesses access £5,000 to £500,000 and beyond.
Will checking my options affect my credit score?
No. Seeing your options through Capvant is a soft search, so it leaves no mark on your credit file. A lender only runs a full credit check if you decide to accept an offer.
Is Capvant a lender?
No. Capvant is a funding marketplace, we match you with funding partners and you choose the offer that suits you. Funding decisions, rates and terms are set by the lender, subject to approval.
How fast can I get funded?
Once you accept an offer, many businesses receive funds within a few working days, some products fund same day.
Know the payment before you commit to it.
One request brings back competing business term loan offers with the amount, the term and the total cost laid out, and looking leaves your credit score exactly where it is.
No obligation. Checking your offers won’t affect your credit score.
Disclaimers & footnotes
- 1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
- 2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
- 3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
- 4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
- 5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
- 6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.
Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).
Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.
Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.
If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your request results in funding. This does not increase your cost unless expressly disclosed.
Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.
Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.
Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.
Company information may be sourced from public registers such as Companies House, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.
The Business Credit Score by Capvant is an independent statistical assessment based on public register data. It is not provided by a credit reference agency and may differ from scores used by individual lenders.
By submitting an application or funding request, you authorise Capvant to share relevant business, owner, request and document information with funding partners, service providers and introducers where necessary to process your request, subject to our Privacy Policy.
Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.