Financing
Business Term Financing
Predictable structure for your larger initiatives.
Overview
Term financing provides a lump sum of capital repaid over a defined schedule, giving businesses a clear and predictable path for significant investments. It is well suited to projects with a defined scope and expected return, from expansion to acquisitions and major capital projects.
Common uses
- Expansion
- Acquisitions
- Renovations
- Business debt refinancing
- Major projects
How the process works
- 01
Tell us about your business
Complete a short application and provide basic information about your company and financing goals.
- 02
Review available options
Our team evaluates your request and identifies financing structures that may fit your business.
- 03
Move forward
Review your options with an advisor, complete underwriting, and proceed with the structure that works best for your business.
Estimate your payment
Compare 7, 10, 15 and 20-year terms.
Adjust the amount and rate to see how the repayment term shapes your monthly payment and total interest. Longer terms ease monthly cash flow; shorter terms cost less over the life of the loan.
Compare terms
| Term | Monthly | Total interest |
|---|---|---|
| 7 years | $8,172 | $186,447 |
| 10 years | $6,470 | $276,385 |
| 15 years | $5,221 | $439,802 |
| 20 years | $4,661 | $618,557 |
10-year term · estimated monthly payment
$6,470
- Loan amount
- $500,000
- Total interest over term
- $276,385
- Total of payments
- $776,385
A shorter term costs less in total interest but carries a higher monthly payment; a longer term protects cash flow at a higher lifetime cost. Figures are illustrative estimates for planning only, not an offer or commitment to lend.
Explore other financing
Financing availability, amounts, rates, and terms are subject to qualification, underwriting, and lender approval. Kapstone Finance does not guarantee approval, rates, or funding.
Let’s talk about what’s next for your business.
Tell us what you’re looking to accomplish and our team can help you evaluate available financing options.