Small Business Term Loans — Fixed Repayment, Predictable Cash Flow
Get a lump sum with a fixed repayment schedule. Ideal for equipment, expansion, or larger one-time needs. We match you with small business term loan options that fit your timeline.
OneDayCap is an AI-native Capital Advisory & Funding Infrastructure Platform serving U.S. small businesses.
- 100% Online
- Instant Pre-Approval Quote
- Real-Time Funding Decisions
- 50+ Active Funders
A Simple, Efficient Process
How it works
Apply Online
Complete a short application in minutes. No collateral required.
Cash-Flow Review
Your business is evaluated based on actual performance - not your personal credit score.
Capital Arranged
Receive a fast decision. In many cases, funds are delivered within one business day.
Customer Reward Program
Limited-TimeFund through OneDay Capital and receive a FREE reward based on the total funded amount.*
Takes just minutes.
Why Businesses Choose OneDay Capital
- ✓Same-day funding decisions
- ✓No collateral required
- ✓Minimal documentation
- ✓Credit score is not the deciding factor
- ✓Multiple funding options available
- ✓Funds usable for any business purpose
Why Term Loans from OneDayCap?
Predictable payments
Term loans come with a set repayment schedule—you know exactly what you’ll pay each period. That makes budgeting and planning easier than with variable or revenue-based products.
Lump sum for big needs
Use the full amount for equipment, real estate, acquisition, or expansion. Fixed repayment business loans are well suited when you have a specific, one-time capital need.
Wide range of terms
We work with funders offering short-term to multi-year terms. Apply once and we’ll match you with options that align with your needs and ability to repay.
Frequently Asked Questions
- What is a small business term loan?
- A term loan is a lump sum of capital that you repay over a set period (the term) with fixed payments. Interest may be fixed or variable. Terms can range from a few months to several years, depending on the lender and use of funds.
- What can I use a term loan for?
- Term loans are often used for equipment, real estate, acquisition, expansion, or large one-time expenses. Some funders allow general working capital. We match you with options that fit your stated use of funds.
- How do I qualify for a term loan?
- Qualification depends on the lender and your business revenue, time in business, credit, and sometimes collateral. We work with multiple funders so you can see options that may fit your profile. Apply online to get matched.