SBA Loans
Government-backed loans with the lowest rates and longest terms we offer.
Explore SBA LoansFunding product
Long-Term Loans
Larger amounts repaid over two to five years with comfortable monthly payments and competitive fixed rates — built for serious growth.
Amounts $25K - $1M
Term 2 - 5 years
Funding 2 - 5 business days
What it is
A long-term loan provides a substantial lump sum repaid over two to five years, with comfortable monthly payments and competitive fixed rates. By stretching repayment over a longer horizon, your monthly obligation stays manageable — freeing up cash flow while you grow into the investment.
This is the structure of choice when you're making a deliberate, long-range bet on your business: opening a location, acquiring a competitor, building out capacity, or consolidating higher-cost debt into a single, predictable payment.
Best for
A long-term loans tends to be the right fit when:
- Funding a major expansion or a new location
- Acquiring another business or buying out a partner
- Consolidating higher-cost debt into one lower payment
- Investing in long-lived assets and infrastructure
- Owners who want lower monthly payments over a longer term
How it works
Apply and share financials
Submit your application along with bank statements and basic financials so we can right-size the loan.
Underwrite and structure
An advisor reviews your file and proposes an amount, rate, and term aligned to your growth plan — typically within a few business days.
Sign transparent terms
Review a clear, fixed-rate schedule with no hidden fees, then e-sign.
Fund and grow
Funds arrive in two to five business days, and you repay in steady monthly installments.
Rates & terms
Pricing & structure
- Loan amount$25,000 - $1,000,000
- Term length2 - 5 years
- Rates from9.99% APR
- RepaymentMonthly, fixed
- Origination fee1% - 4%
- Prepayment penaltyNone
Eligibility & requirements
- Time in business6+ mo (24+ preferred)
- Monthly revenue$15,000+
- Credit score500+ (640+ preferred)
- CollateralMay be required >$250K
- Business typeU.S. for-profit
- Decision time2 - 5 business days
Figures are illustrative and do not constitute an offer of credit. Final rates and terms are set by underwriting and vary by qualifications.
Why owners choose it
Lower monthly payments
Longer terms spread the cost so cash flow stays healthy.
Competitive fixed rates
Lock in a predictable rate for the life of the loan.
Built for big moves
Enough capital for expansions, acquisitions, and buildouts.
Consolidate debt
Roll costly balances into one cheaper monthly payment.
Do you qualify?
Northwind's core requirements
Most applicants qualify for a long-term loans if they meet our baseline standards:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- A U.S.-based, for-profit business
Larger loans may require collateral or additional documentation. Established businesses with strong credit access our best rates and longest terms.
Frequently asked
Long-term loans run from two to five years. We'll match the term to your project so payments stay comfortable.
For amounts above $250,000 we may secure the loan with business assets. Smaller amounts are frequently unsecured.
Yes — debt consolidation is one of the most common uses. Rolling multiple high-cost balances into one payment often lowers your monthly outlay.
Long-term loans fund faster and have lighter paperwork. SBA loans offer even lower rates and longer terms but take weeks to close.
Related funding
Not quite the right fit? These products solve similar needs:
Popular with these industries
- Technology — grow without diluting ownership
- Real Estate — cover renovations and carrying costs
- Manufacturing — finance capacity and machinery
Steady capital. Solid partners.
Fund your next big move
Long-term capital with comfortable payments and competitive rates. See what you qualify for.