What this term loan offers
Up to $250,000 in a single lump sum, repaid over a term of up to 18 months, with rates starting as low as a 1.18 factor for the strongest files.
- Loan amount: up to $250,000
- Term: up to 18 months
- Rate: as low as a 1.18 factor for qualifying businesses
- Structure: one lump sum, repaid on a fixed schedule
A factor rate is the total repayment divided by what you borrow — a 1.18 factor on $100,000 means repaying $118,000 total, before any other fees, over the term. Get the total repayment figure in writing so you can run it against the return you expect from the purchase.
Do you qualify?
This product is built for established businesses. A strong file usually has 3+ years in business, a 650+ personal credit score, and at least $25,000 in monthly revenue.
- 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 (not a sole proprietorship or nonprofit)
- Location: available in most states
These are general guidelines a strong file usually meets, not a guarantee either way. A business that doesn't check every box can still apply — ROI Funder will say plainly if this specific product isn't the fit and show what is.
How it compares to a line of credit
A term loan fits one planned, one-time cost with a payback you can model in advance. A line of credit fits recurring or unpredictable needs where the cost scales with use.
- Term loan (this product): up to $250,000, terms up to 18 months — fixed cost, fixed schedule, easy to model against a return
- Line of credit: up to $350,000, terms up to 36 months — best for recurring or unpredictable needs
See the full side-by-side on the funding comparison page.
How to see if you qualify
One short application lets ROI Funder match your file against this term loan and its other funding options, with no obligation to accept any offer.
ROI Funder reviews your application and connects you with funding partners whose programs fit your file — this term loan is one of the stronger options for businesses that qualify, but never the only one. You see the full repayment number before you decide anything.
What you’ll typically need
- Recent business bank statements
- Basic business and ownership details
- A short description of what the funds are for
Frequently asked questions
Is this a direct loan from ROI Funder?
ROI Funder helps businesses get funded through its funding partners. This term loan is placed through one of those partners, not funded directly by ROI Funder.
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.
What if my business doesn't qualify for this specific loan?
ROI Funder reviews your file against several products. If this loan isn't the right fit, you'll be shown other options that better match your business.
Can I repay a term loan early?
Early repayment terms vary by partner. Ask whether repaying early reduces the total cost before you accept an offer.
How do I check if a term loan will pay for itself?
Divide the total repayment amount by the term to get your true monthly cost, then compare it against the added revenue or savings the purchase generates over that same period.
See your real number
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · Roifunder Funding Team