Term loans
Fixed payments
for planned moves
$10K–$5M over 1–5 years with fixed monthly payments. For equipment, expansion, acquisition, or refinancing expensive short-term capital.
- Terms
- 1–5 yr
- Fixed payments
- Monthly
- Loan range
- $10K–$5M
- Hard pulls to see terms
- 0
What it is
The straightforward one
Use it for
Moves you've already planned
- Equipment and vehiclesAssets you'll use for years, paid for over years.
- Build-outs and locationsA second location or a renovation of the first.
- Partner buyoutsBuy out a business partner on a fixed schedule.
- AcquisitionsAcquire a competitor with predictable payments.
- RefinancingTurn stacked advances into one monthly payment.
- Anything plannedIf you know the spend and the timeline, this is usually the cheapest structure.
Why through Tovah
One file, every lender that fits
We match your connected file to the term-loan partners whose criteria you meet, then show you the offers side by side. No separate applications. No lender-by-lender phone tag.
- One application for every partner
- Offers side by side, in plain numbers
- No hard pull until you accept
Refinance
Paying too much for short-term money?
If you're carrying two or more daily-pay advances, a single term loan can cut your total monthly outflow significantly. Connect your accounts and we'll show you the difference.
Funding cost calculator
Advance
Term loan
Illustrative only. Not an offer or a quote. Compare total cost and monthly outflow, not just the headline rate.
FAQ
Questions, answered plainly
What terms are available?
Typically 1 to 5 years, depending on the partner and your file.
Are rates fixed?
Most term loans on Tovah have fixed rates and fixed monthly payments. Your offer states it clearly.
Is there a prepayment penalty?
Term loans can typically be prepaid. Any prepayment terms are stated in your offer before you sign.
Do I need collateral?
Many term loans are unsecured, though a partner may file a general UCC lien or ask for a personal guarantee. Your offer lists every requirement.
How is this different from an SBA loan?
SBA loans can be cheaper but often take weeks to months and require more documentation. Term loans through Tovah typically decide in 1–3 days.
Get funded today
Connect your accounts and see your real offers in minutes. Up to $5 million, funded the same day.