Personal Term Loan

Personal Term Loan

Is your personal credit score at 650 or higher?
If your FICO score with all 3 credit bureaus is 650 or higher then you’re eligible to apply for a Personal Term Loan.
Get up to $250,000.00 (or more) in a low-rate bank and credit union personal term loan, that you can use for your business’s launch or growth (with no restrictions on the use of funds).
Now you can leverage your high credit score and get funding for your business.
Personal Term Loan Benefits
  • To $250,000 Per Term Loan (multiple loans may be available)
  • No Collateral Required
  • Start Up Businesses OK!
  • Never Any Upfront Costs to Apply

Requirements To Apply

  • 650+ Credit Score with All 3 Credit Bureaus 
  • At Least 5 Years of Credit History On All 3 Bureaus
  • Total Amount of Revolving Credit Lines Exceeds $10,000 
  • Minimum of 1 Installment Loan With At Least 2 Year History 
  • Debt to Income Ratio of Less Than 40%
  • No More Than 8 Inquiries Per Bureau In the Last Year
  • No Late Payments / Derogatory Credit Marks Within 6 Months 
  • Maximum Credit Utilization of 40%  (pay-down loans available)
  • No Bankruptcies Reporting In Last 10 Years 
Loan Size
$25K – $250K

Term Length

3 – 5 Year Term

Interest Rate

11% – 14% APR

Payment Frequency



Minimum FICO


Time In Business

No Requirement

Monthly Revenue

Personal Income-to-Debt Ratio Less Than 40%


Business Checking (No age minimum)