Term Loans
Secure capital to scale with confidence
At Capital Arc Funding, we offer term loans with predictable payments, flexible terms, and same-day funding to help you grow — your way.



$10k to $500k
loan amounts, easier than ever before.
Automatic
daily or weekly payments – hassle-free process
60 months
repayment terms, flexible as you need them
Lowest
rates in the industry. Only worry about growing
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Put your working
capital to work
Secure fixed-term financing for growth, expansion, or big investments —
with predictable payments and terms built for your timeline.
Same day funding
With CapitalArcFunding you could get funds in your bank account by 5:00pm the same day.
Pre-payment benefits
Pay your loan off early in full and have all remaining interest waived without any penalty or fee.
Build Business Credit
Help build your business's credit by making on-time payments, which we report to bureaus.
Predictable, fixed payments
Pay the same amount on time, so you can manage your cash-flow with no surprises or large costs up front.
Are we a Match?
Meeting just a few key criteria could qualify you for fast, flexible term loan options through our simple approval process.
1 year
in business, at least.
625+
personal FICO score.
$ 100 k+
in growth annual revenue.
US-based
bank account.
Frequently Asked Questions
Check our consolidated list of frequently asked questions to help you navigate our lines of credit.
What is same day funding?
Same Day Funding is as simple as it sounds. It allows you to receive funds in your account as early as the day you finalize your term loan with CapitalArcFunding. There’s no special enrollment and no additional cost.
How do loyalty benefits work?
We believe in rewarding you for your loyalty and making it easy to access additional funding. Once your initial or current loan is 50% paid down you have the option to apply to renew your loan and you will not be charged any remaining interest on your existing loan. You may even qualify for a lower or 0% origination fee.
How does payback work?
Paying back your term loan with CapitalArcFunding is easy and hassle-free with automatic bank account deductions so you don’t have to worry about missing a payment. The daily or weekly payment is based on the amount and term length of your financing and is intended to be a manageable number based on the information you provided to CapitalArcFunding in your application.
How much will it cost?
The total cost of your short term loan will vary based on a number of factors, including your personal and business credit scores, time in business and annual revenue and cash flow‡.
Can I get a short term loan if I have bad credit?
CapitalArcFunding doesn’t offer “bad credit loans.” However, a bad credit score doesn’t always mean you can’t qualify for business financing. Our short term loans can provide an alternative source of funding for borrowers who have had difficulty getting approved for credit cards and traditional installment loans.
What other small business loans can I get in addition to my term loan?
We understand every business has different needs, so unlike many online lenders, we’ve got different loan types available for you. At CapitalArcFunding you can easily apply and if approved, you may be offered a small business line of credit in addition to your existing term loan or in many cases you can start them at the same time.
Because in some situations, a lease can cost more than a loan, many businesses choose to finance the purchase of equipment rather than lease. Additionally, the entire amount of a lease payment may not be tax deductible if your lease terms include any provision allowing you to own the equipment at the end of the lease. You’ll need to consult with your accountant or financial advisor to see if this is the case for your situation.
Let's Talk About
What Works For You
Whether you’re ready to apply or just have questions, our team is here to guide you.
No pressure, no commitments. Call or click to get started