Term Lending

We provide financial support for your capital expenditure and working capital requirements with a repayment period of 3 to 7 years.

Key Features

Customized Financing: We offer term loans tailored to your business's specific needs, with customizable loan amounts, repayment terms, and interest rates. Whether you're a startup or an established enterprise, we have the right financing solution for you.
Competitive Rates: Enjoy competitive interest rates and transparent terms that fit your budget and financial goals. With our straightforward pricing, you can confidently plan for your business's future without unexpected surprises.
Flexible Repayment Options: Our term lending solutions offer flexible repayment options to accommodate your cash flow needs. Choose from fixed or variable interest rates, and select a repayment schedule that aligns with your business's revenue cycle.
Fast and Efficient Process: We understand that time is of the essence when it comes to accessing capital for your business. With our streamlined application process and quick approval turnaround times, you can get the funding you need without delay.
Expert Guidance: Our team of experienced financial professionals is here to guide you through every step of the lending process. From assessing your financing needs to structuring the right loan package, we're committed to helping you make informed decisions for your business's success.
Customized Financing: We offer term loans tailored to your business's specific needs, with customizable loan amounts, repayment terms, and interest rates.

Eligibility

Business Plan (for Business Loans): For business term loans, we require a detailed business plan outlining the purpose of the loan, the expected use of funds, revenue projections, market analysis, and strategies for repayment.
Time in Business (for Business Loans): The length of time your business has been operating when evaluating eligibility for a term loan is an important factor when considering your loan facility. Established businesses with a track record of success may be viewed more positively.
Industry and Market Conditions: The industry you operate in, market conditions, and economic outlook when assessing eligibility for a term loan will be another important evaluation criteria. Certain industries may be perceived as higher risk, while others may offer more favorable lending opportunities.
Credit Score: We will review your credit score and credit history and determine your creditworthiness
Financial Stability: your financial stability, including factors such as income, cash flow, and profitability (for businesses) will be assessed. We may request financial statements, tax returns, bank statements, and other documents to assess repayment.
Collateral: Usually term loans require collateral, such as real estate, equipment, inventory, or other valuable assets, to secure the loan. The value and quality of the collateral offered may affect the borrower's eligibility and the terms of the loan.

Working with our loan officers can help you understand the options, improve eligibility, and navigate the loan application process effectively.