Term Loans
Business Term Loans
Predictable funding with fixed payments and clear terms.
A BAMFS term loan gives you a lump sum upfront with a structured repayment schedule — ideal for planned investments, expansion projects, or one-time large purchases where you need certainty in your cash flow.
Amount
$25K – $1M+
Term
6 – 60 months
Funding
As fast as 24–72 hrs
Best for
- Expansion projects with a defined budget
- Equipment or vehicle purchases
- Refinancing higher-cost debt
- Large one-time investments
Why choose this product
Fixed payments
Same payment every month — no surprises and easy to budget against future cash flow.
Competitive rates
Risk-based pricing tailored to your business profile, with rates that beat short-term financing.
No prepayment penalty
Pay early and save on interest. BAMFS never charges fees for paying off your loan ahead of schedule.
Basic qualifications
Meet these criteria and you're well-positioned to qualify. BAMFS reviews each application holistically — call us if you're unsure.
- Time in business: 6+ months
- Monthly revenue: $15,000+
- Personal FICO: 600+ preferred
- U.S.-based business, no open bankruptcies
How it works
Apply online
Complete the BAMFS application in about 10 minutes — no impact to your credit.
Review offers
Receive term loan offers within one business day, structured for your needs.
Get funded
Sign electronically and receive funds in your business account, often within 24–72 hours.
Frequently asked questions
What can I use a term loan for?
Almost any legitimate business expense — expansion, equipment, marketing, refinancing existing debt, hiring, or working capital.
How long does approval take?
Most BAMFS term loan applications receive a decision within one business day. Funding typically follows in 24–72 hours after acceptance.
Will applying hurt my credit?
No. Our initial pre-qualification is a soft pull. A hard credit pull only happens if you accept a final offer.
Is collateral required?
Smaller loans are typically unsecured. Larger amounts may require business assets as collateral — your BAMFS advisor will walk you through the structure.
Ready to move forward?
Pre-qualify in minutes — no impact to your credit.