Dinero Para Mi NegocioOne of the stronger term loans available for businesses with a track record: up to $250,000 in a single lump sum, repaid over a term of up to 18 months, with rates as low as a 1.18 factor for businesses that qualify. It's built for one planned cost with a known price, not an open-ended need.
Key takeaways
- Up to $250,000 in a single lump sum
- Terms up to 18 months
- Rates as low as a 1.18 factor for qualifying businesses
- Fixed repayment schedule for the full term
What this term loan offers
- Loan amount: up to $250,000
- Term: up to 18 months
- Rate: as low as a 1.18 factor for the strongest files
- Structure: one lump sum, repaid on a fixed schedule
A factor rate is multiplied by the amount you borrow to get the total repayment — a 1.18 factor on $100,000 means repaying $118,000 total, before any other fees, over the term. Ask for the total repayment amount in writing before accepting any offer.
Do you qualify?
- Time in business: 3+ years
- Personal credit score: 650+
- Monthly business revenue: $25,000 or more
- Ownership: at least 50% owned by the applicant
- Business type: LLC or corporation
- Location: available in most states
These are general guidelines, not a guarantee either way. If your business doesn't check every box, it's still worth applying — you'll be told plainly if this product isn't the fit and what is.
Apply with Merchant Fund Express in 60 seconds. Decisions in 2–4 hours.
How it compares to a line of credit
- Term loan (this product): up to $250,000, terms up to 18 months — best for one planned cost with a known price
- Line of credit: up to $350,000, terms up to 36 months — best for recurring or unpredictable needs
See the full side-by-side in our funding comparison guide.
Frequently asked questions
What does "as low as a 1.18 factor" mean?
A factor rate is multiplied by the amount you borrow to get the total repayment. 1.18 is the strongest-file rate; your actual factor depends on your file and may be higher.
Can I repay a term loan early?
Early repayment terms vary by funder. Ask whether repaying early reduces the total cost before you accept an offer.
What if my business doesn't qualify for this specific loan?
You'll be shown other options from Merchant Fund Express's network that better match your business.
What states is this available in?
This term loan is available in most states. Apply to see if your business qualifies.
