Funding desk is open · applications reviewed 7 days
info@nightfoxfunding.com612-927-2055
Night Fox FundingNight FoxFunding
Funding desk612-927-2055Pre-Qualify
Navigate
HomeAll funding programsIndustriesHow it worksFunding estimatorResources & guidesFAQPartner programAbout TravisContact
Funding programs
Working CapitalLine of CreditSBA 7(a) & 504Term LoansEquipment FinancingInvoice FactoringRevenue-Based AdvanceReal Estate InvestorStartup FundingBusiness Credit
Start pre-qualificationCall 612-927-2055
HomeFundingTerm Loans
Term loans

One payment. Same number every month.

Fixed amount, fixed rate, fixed term. You know the total cost on day one and it never moves — which is exactly what you want when the use of funds has a knowable return.

Pre-qualify in 4 minutes 612-927-2055
$25K–$1MLoan amount
12–60 moTerm length
1–5 daysTo funding
A manufacturing owner standing beside CNC equipment on the shop floor
Overview

The most predictable capital short of SBA

A term loan is the structure most business owners already have a mental model for: borrow a lump sum, repay it in equal installments, done. No draw fees, no factor rate arithmetic, no remittance that changes with your deposits.

That predictability makes it the right instrument for a project with a defined cost and a defined payoff — a second location, a piece of software, a hire that pays for itself in six months, or consolidating three expensive advances into one manageable payment.

  • $25,000 to $1,000,000
  • 12 to 60 month amortization
  • Fixed rate — the payment on month one is the payment on month forty
  • Monthly or weekly payment schedules
  • No prepayment penalty on most programs — paying early genuinely saves interest
  • Reports to business credit with many funders

Fixed payment

Budget it once and forget it.

1–5 days

Faster than a bank by weeks.

No prepay penalty

Pay early, save real interest.

Every figure here is a typical range across our network, not a quote. Real terms come from your file.
Rates & terms

What this program actually looks like.

Loan amount$25,000 – $1,000,000
Term12 – 60 months
Rate8% – 30% APR depending on profile
Origination0% – 5%, disclosed before signing
PaymentFixed monthly or weekly
Time to funding1 – 5 business days
PrepaymentNo penalty on most programs
CollateralUsually unsecured · UCC-1

Ranges reflect typical structures across our lending network. Final terms are set by the funder after underwriting.

Qualifying

What underwriting looks for

  • 12+ months in business
  • $20,000+ monthly revenue
  • 620+ personal FICO
  • Positive average daily balance
  • No open bankruptcy or unresolved tax lien
  • Two years of returns for amounts above $500,000
Check where I land

Documents to have ready

  • One-page application
  • 6 months of business bank statements
  • YTD P&L and balance sheet
  • Business debt schedule
  • Last business tax return (larger amounts)
  • Voided check and driver's license
Send statements as PDFs straight from online banking. Screenshots and scans slow underwriting by days.
The process

From first call to funded

  • 01

    Apply

    Pre-qualification and statements. Soft review, no credit impact.

  • 02

    Structure

    We model term length against payment to find the number your cash flow supports.

  • 03

    Offers

    Competing term sheets, compared on total dollars — not just rate.

  • 04

    Fund

    Sign electronically. Funds typically land in 1–5 business days.

Right fit

When this is the answer

  • A build-out or renovation with a fixed bid
  • Consolidating multiple expensive positions
  • Acquiring a competitor or a book of business
  • A hire or system with a measurable payback
  • Any cost you can price precisely
Look elsewhere

When it isn't

  • Recurring, unpredictable needs — use a line
  • Very short bridges under 90 days
  • A business under 12 months old
  • Buying commercial property — look at SBA 504
Questions

Term Loans, answered.

Time in business, personal and business credit, revenue consistency, industry, and existing debt service. The largest single lever most owners can pull inside 60 days is cleaning up NSFs and negative days in the bank account.
On most of our term programs, yes, with no penalty — and because interest accrues on the outstanding balance, early payoff genuinely reduces what you pay. We confirm this in writing on every offer before you sign.
If you qualify for a term loan, take the term loan. It's cheaper, the payment is predictable, and early payoff saves money. Advances exist for files that can't clear term-loan underwriting or needs that can't wait.
The application is a soft pull. Some funders report the account to personal bureaus and some only to business bureaus. We'll tell you which before you choose.
That's one of the best uses of one. Replacing three daily remittances with a single monthly payment often frees meaningful working capital immediately. Send your positions and we'll model it.
Ask Night Fox a different question
Also worth a look

Programs that pair well with this

Line of Credit

Revolving access up to $750K. Draw, repay, draw again.

View program

SBA 7(a) & 504

Up to $5M at the lowest rates and longest terms available.

View program

Working Capital

$10K–$2M in 1–3 days for payroll, inventory and opportunity.

View program
Ready when you are

Ready to move on term loans?

A four-minute application, a soft review, and no impact on your credit. Travis reads every file personally and calls back with real options — usually the same business day.

Talk to Travis directly612-927-2055
Pre-qualify now Compare all programs

Soft review · No obligation · No impact on your credit score

Call now Pre-Qualify