{"id":845,"date":"2024-10-02T01:29:16","date_gmt":"2024-10-02T01:29:16","guid":{"rendered":"https:\/\/grandcityinvestment.com\/?p=845"},"modified":"2024-10-02T16:10:20","modified_gmt":"2024-10-02T16:10:20","slug":"term-loan-meaning-examples-and-term-loan-providers","status":"publish","type":"post","link":"https:\/\/grandcityinvestment.com\/en_US\/term-loan-meaning-examples-and-term-loan-providers\/","title":{"rendered":"Term Loan Definition, Types, and Common Attributes"},"content":{"rendered":"<h1 id=\"article-heading_1-0\" class=\"comp article-heading mntl-text-block\">Term Loan Definition, Types, and Common Attributes<\/h1>\n<p>&nbsp;<\/p>\n<h2>What is a term loan?<\/h2>\n<div>\n<div>\n<div>\n<div>\n<p>A term loan is\u00a0<em>a loan from a bank for a specific amount<\/em> that has a specified repayment schedule and a fixed or floating interest rate. It\u00a0is a deal between a borrower and a lender where the lender provides cash upfront and receives that money back through a series of smaller payments over a certain amount of time (repayment terms). As an incentive for the lender, the borrower pays a percentage of interest.<\/p>\n<\/div>\n<div>\n<p>A business term loan helps business owners with large purchases thanks to the way installment loans work\u2014it spreads the impact of one large cost over many smaller fixed payments (installments) to the lender. Similar to how a student loan helps students invest in their futures, this financial aid can help a small business purchase a new location, vehicle, or piece of equipment that will improve future profits.<\/p>\n<p>While useful and often necessary for business growth, term loans, of course, come with a cost to the borrower. Beyond the monthly payments, these costs might include the following:2<\/p>\n<ul>\n<li>Interest<\/li>\n<li>A down payment (if buying real estate or another business)<\/li>\n<li>An origination fee for starting the loan<\/li>\n<li>Underwriting fees or closing costs<\/li>\n<\/ul>\n<p>Whether you\u2019re seeking business loans or your own long-term personal loan, don\u2019t forget to include these additional costs in your planning.<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div>\n<div>\n<h2>How do term loans work?<\/h2>\n<\/div>\n<\/div>\n<div>\n<p>Loans from banks or credit unions are usually harder to qualify for and require a long term of several years, but they offer better rates. An online lender can get you a loan more quickly and with fewer conditions, but you should expect to pay more for that convenience.<\/p>\n<p>Long-term business loans of three to ten years from a bank will usually carry an interest rate between 4% and 6%, depending on your credit history, cash flow, and other details. In addition, banks offer secured loans, where businesses provide\u00a0<a href=\"https:\/\/www.business.org\/finance\/loans\/what-is-collateral\/\" target=\"_blank\" rel=\"false noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.business.org\/finance\/loans\/what-is-collateral\/&amp;source=gmail&amp;ust=1656447270008000&amp;usg=AOvVaw3MkgLG_TkTJdViPCzlu8r1\">collateral<\/a>\u00a0in case of an unpaid balance, and unsecured loans, where the business doesn\u2019t provide collateral.<\/p>\n<p>You can find both short-term\u00a0small-business loans\u00a0(some as short as several months) and long-term loans from different online peer-to-peer lending or institutional lending companies, and their interest rates can fluctuate a great deal. Some might compare with bank loan rates, but other rates may be nearly twice as much.<\/p>\n<p>Remember that a fixed-rate loan will keep the same interest rate from when you first sign that promissory note (a legal written record of the loan between two entities), a variable-rate loan could end with significantly higher or lower rates than when you started the deal. Many borrowers prefer fixed rates for their reliability.<\/p>\n<div>\n<div>\n<div>\n<div>\n<p>Some small businesses also qualify for\u00a0<a href=\"https:\/\/www.business.org\/finance\/loans\/sba-financing-options\/\" target=\"_blank\" rel=\"false noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.business.org\/finance\/loans\/sba-financing-options\/&amp;source=gmail&amp;ust=1656447270008000&amp;usg=AOvVaw3wN3mCXUo2Vx-0VaruKqv0\">U.S. Small Business Administration<\/a>\u00a0(SBA) loans, which have impressively low-interest rates thanks to their backing from the federal government. But you don\u2019t apply to the SBA directly for these loans. Instead, you work through a bank or other lender to secure and repay the loan. As long as you meet the base eligibility requirements listed\u00a0<a href=\"https:\/\/www.sba.gov\/funding-programs\/loans\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.sba.gov\/funding-programs\/loans&amp;source=gmail&amp;ust=1656447270008000&amp;usg=AOvVaw1Hy4_EE6eU7pZYUTqykQH3\">on the SBA\u2019s site<\/a>, you can reach out to a lender to see if your situation qualifies for SBA long-term financing.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div><\/div>\n<div>\n<div>\n<h2>What are some examples of term loans?<\/h2>\n<\/div>\n<\/div>\n<div>An example of a term loan is\u00a0<b>a loan taken by a manufacturing company to purchase new machinery<\/b>, with a repayment period of up to 96 months at a fixed interest rate.<\/div>\n<div>\n<p>In another example, let\u2019s say a small clothing vendor has seen plenty of financial success and wants to expand to a new location in a nearby town. While they have plenty of cash flow, it would still take a long time to save enough money to open a new store. So a term loan lets the clothing company open that store right away\u2014that way they don\u2019t miss out on that extra income.<\/p>\n<p>In some ways, a business loan works similarly to a short-term personal loan, like one used to buy a car. For example, a moving company with good credit could use the up-front cash from a loan to satisfy increasing demands with additional trucks. Other types of machinery required to run a business could also be purchased with a short-term loan.<\/p>\n<p>However, business loans aren\u2019t only for large single-item purchases. For example, if a sports equipment store needs to expand its inventory for a new season quickly, a small loan with a short term can help stock the shelves just in time for the ski or snorkel rush.<\/p>\n<h2 class=\"entry-title entry-title-large\">The Pros and Cons of Term Loans<\/h2>\n<p>Term loans are a common financing vehicle for businesses. If you need money to finance your business, a term loan might offer a solution. All term loans are characterized by a fixed repayment period. When you acquire a term loan, you\u2019ll have to repay it within a specific amount of time. This length of time is referred to as the term. Like all loans, though, term loans offer both advantages and disadvantages as a financing vehicle.<\/p>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3953 size-medium\" src=\"https:\/\/www.intrepidexecutivegroup.com\/blog\/wp-content\/uploads\/2021\/02\/money-3405700_6401-300x200.jpg\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" srcset=\"https:\/\/www.intrepidexecutivegroup.com\/blog\/wp-content\/uploads\/2021\/02\/money-3405700_6401-300x200.jpg 300w, https:\/\/www.intrepidexecutivegroup.com\/blog\/wp-content\/uploads\/2021\/02\/money-3405700_6401-450x300.jpg 450w, https:\/\/www.intrepidexecutivegroup.com\/blog\/wp-content\/uploads\/2021\/02\/money-3405700_6401.jpg 640w\" alt=\"A term loan is a one-time lump sum of cash that's repaid with interest over a set period of time, or term. Hence the name: term loan\" width=\"300\" height=\"200\" \/>Pro: Retain Ownership<\/h2>\n<p>You\u2019ll retain ownership of your business when using a term loan. All term loans are a form of debt financing. With debt financing, you\u2019ll incur debt without forfeiting equity stake in your business. Rather, you\u2019ll retain complete ownership of your business.<\/p>\n<h2>Pro: Different Lengths<\/h2>\n<p>Term loans are available in different lengths. There are short-term loans, and there are long-term loans. Short-term loans include those with a repayment period of less than one year. In comparison, long-term loans include those with a repayment period of more than one year. Most lenders offer both types of term loans. As a result, you can find a term loan to meet the needs of your business.<\/p>\n<h2>Pro: Fast<\/h2>\n<p>The approval time for term loans is typically faster than that of other financing methods. You probably won\u2019t get approved for a term loan immediately. Most lenders have an approval process that can take anywhere from a few weeks to a few months. Nonetheless, term loans have a faster approval process than many other financing methods, which is one of the reasons why so many businesses use them.<\/p>\n<h2>Con: Interest Fees<\/h2>\n<p>Term loans come with interest fees. After all, interest is essentially how lenders make money from the term loans that they offer. You\u2019ll have to repay the principal of the term loan while simultaneously paying interest fees.<\/p>\n<p>With that said, short-term loans typically have lower interest fees than their long-term counterparts. If you\u2019re worried about interest fees clogging up your business\u2019s cash flow, you may want to choose a short-term loan.<\/p>\n<h2>Con: Regular Payments<\/h2>\n<p>You\u2019ll have to make regular payments to the lender from which you acquire a term loan. Some lenders require monthly payments, whereas others require bi-weekly payments. Regardless, you\u2019ll need to remember to make these payments. Failure to make timely payments could result in either your credit score or your business\u2019s credit score taking a hit. And if you used collateral to secure the term loan, the lender may claim ownership of it.<\/p>\n<\/div>\n<div>\n<div><\/div>\n<div>\n<div>\n<h2>How to obtain term loans, business loans or SM loans?<\/h2>\n<p><strong>This article was brought to you by Grand City Investment Limited, A Global Financial Services Company. For more information on startup and business funding, or to complete a funding application, please visit our <a href=\"https:\/\/grandcityinvestment.com\">website<\/a>.<\/strong><\/p>\n<\/div>\n<\/div>\n<div>\n<div><\/div>\n<div>\n<p><strong>Attention Brokers\/Agents\/Company Representatives:<\/strong> We appreciate brokers who have a direct relationship with their clients. New brokers are welcome and will receive a commission of 1% to 2% on every deal.<\/p>\n<p>Here are some of the benefits of being a Grand City Investment broker:<\/p>\n<p>&#8211; Professional support for brokers &#8211; 1% to 2% commission on every deal<\/p>\n<p>&#8211; No broker chains, so please maintain direct contact with your clients<\/p>\n<p>&#8211; Brokers are fully protected against potential circumvention<\/p>\n<p>&#8211; A wide range of financial instruments to choose from, such as BG, SBLC issuance &amp; Monetization Programs.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Term Loan Definition, Types, and Common Attributes &nbsp; What is a term loan? A term loan is\u00a0a loan from a bank for a specific amount that has a specified repayment schedule and a fixed or floating interest rate. It\u00a0is a deal between a borrower and&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[162,606,601,604,602],"class_list":["post-845","post","type-post","status-publish","format-standard","hentry","category-loans","tag-genuine-loan-lenders","tag-non-collateral-loan","tag-term-loan","tag-term-loan-examples","tag-term-loans-provider"],"yoast_head":"\n<title>Term Loan Definition, Types, and Common Attributes - Grand City Investment Ltd<\/title>\n<meta name=\"description\" content=\"A term loan is a loan from a bank for a specific amount that has a specified repayment schedule and a fixed or floating interest rate.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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