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Term Loans & Working Capital

Small Business Loans From $10,000 to $5 Million

A small business loan is a lump sum you receive up front and repay on a fixed schedule with a fixed cost. It is the simplest, cheapest-feeling form of business capital because you know the payment on day one — which makes it the right tool when you know exactly what the money is for and roughly what it will return.

Check my options — free Run the numbers

Program guidelines

Amount$10,000 – $5,000,000
Term6 months – 10 years
SpeedSame day to 3 days
Credit660+
Time in business4+ months
Revenue$10,000/mo ($120K/yr)

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Who this is right for

  • A specific, sized project: a build-out, a second location, a hiring push
  • Refinancing more expensive advances into one predictable payment
  • Buying inventory ahead of a season you can forecast
  • Owners who want the payment fixed so they can budget around it

How it works

  1. You submit one application — three months of business bank statements is usually the whole file.
  2. We shop it across the lender network instead of one bank's single credit box.
  3. You see the offers side by side: amount, term, total cost, payment frequency.
  4. You pick one. Funds hit your account, often the same day.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

Small Business Loans — straight answers

How fast can I actually get the money?
Underwriting on the fast programs runs in hours, and same-day funding happens. Realistically plan on 1–3 business days from a complete file. SBA is the exception — that is 30–45 days.
Will this hurt my credit score?
Checking your options is a soft review. A hard pull only happens if you move forward with a specific lender, and you will be told before it happens.
What if I have been in business less than a year?
You still have options. The floor on the fast programs is 4 months in business and $10,000 a month in sales. Under that, look at equipment financing (no minimum time in business) or startup funding.
Do you charge me a fee?
No. Business owners never pay Goldspur Capital to apply or to be matched. We are compensated by the lender when a deal funds.

Compare with

Business Line of Credit

Draw only what you need

SBA Loans

Lowest cost, longest terms

Equipment Financing

The machine is the collateral

No cost · No obligation

See if you qualify for small business loans

One application, a soft review only, and an honest read on whether this is even the right product for you.

Get Pre-QualifiedSee funding options

Checking your options does not affect your business credit. A soft review only.