Lower Monthly Payments
Spreading repayment over years keeps cash free for day-to-day operations.
Growth / Expansion
Big moves, spread
Big moves, spread
over the long haul.
Larger amounts over longer terms — for lower monthly payments and deliberate, long-horizon growth.
What It Is
Built for the long game.
A long-term loan delivers a substantial lump sum repaid over several years, keeping monthly payments low and predictable. Competitive fixed rates mean you lock in your cost on day one.
It’s the right structure for deliberate, high-impact investments — expansion, renovation, acquisition, or consolidating higher-cost debt into a single manageable payment.
Best For
Is this your lane?
- Opening a new location or major expansion
- Acquiring a business or buying out a partner
- Large renovations or build-outs
- Refinancing and consolidating costlier debt
- Long-horizon investments that compound over years
The Process
How long-term loans works.
From application to funded in a few fast, transparent steps.
01
Apply & Share Financials
Submit your application along with bank statements and basic financials so we can size the right offer.
02
Underwrite & Structure
We review performance and structure a term, rate, and payment that fits your growth plan.
03
Review & Sign
Compare your offer side by side, ask questions, and e-sign when it’s right.
04
Fund & Grow
Capital is disbursed — typically within 2–5 business days — so you can execute.
Rates & Terms
The spec sheet.
| Loan amount | $25,000 – $5,000,000 |
| Term | 2 – 10 years |
| Rate | Competitive fixed rates |
| Payments | Monthly, fixed and predictable |
| Speed to fund | 2 – 5 business days |
| Prepayment | Flexible options available |
Larger amounts and longer terms may require additional documentation. Your offer details everything in writing.
Eligibility / Requirements
Do you qualify?
Our baseline is simple. Most businesses that meet these benchmarks are a strong fit for long-term loans:
- 6+ months in business (1+ year preferred for larger amounts)
- $15,000+ in monthly revenue
- 500+ personal credit score
- Active business bank account
- U.S.-based business
Checking your options is free and won’t affect your credit score.
Why Apex Velocity
Built for momentum.
Locked-In Fixed Rates
Know your exact payment for the life of the loan — no rate surprises.
Fund Major Moves
Amounts up to $5M put serious expansion within reach.
Build Business Credit
Years of on-time payments strengthen your long-term credit profile.
Consolidate Debt
Roll higher-cost balances into one lower, predictable payment.
Flexible Prepayment
Pay ahead when cash flow allows, on your terms.
Questions
Long-Term Loans FAQ.
Long-term loans offer larger amounts over multiple years, which means much lower monthly payments — ideal for big investments. Short-term loans are smaller and repaid quickly, suited to fast, temporary needs.
Long-term loans range up to $5,000,000. Your maximum depends on revenue, time in business, and overall financial health, all confirmed during underwriting.
Because amounts are larger, underwriting is more thorough — most long-term loans fund within 2–5 business days of a signed offer.
Absolutely. Consolidating higher-cost debt into a single long-term loan with a lower payment is one of the most common and effective uses.
Related Funding
Other ways to fuel up.
Not quite the right fit? These products pair well with, or stand in for, long-term loans.
Fund the move that changes everything.
From expansion to acquisition, get a long-term offer structured around your growth.
Apply Now