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Term loan lenders

Banks, credit unions and online lenders lend it. They look at two years of returns and debt service coverage. 648 lenders offer business term loans across the US and Canada, usually from $25k to $5M. Last checked Nov 1, 2026.

lenders
648
loan officers
42
verified
9
places
64

Who lends it and what they look for

Almost every lender on the register makes some version of a term loan. Banks are the largest source for established businesses, credit unions price competitively for members, online lenders fund shorter terms in days, and CDFIs lend where banks will not. Each one decides on the same three things: cash flow that covers the payment, your business and personal credit, and what backs the loan. Bring two years of business tax returns, interim financials and a short use of funds.

Read the guide: Business term loans: who lends them and what they look for5 min
Verified first, then claimed, then listed. Rank is never sold.How sorting works
BF
Bank Five NineLevr partner
Bank Five Nine: Full-service community bank in Southeast WI since 1859.
Banks
Oconomowoc, WI
CB
CityFirst BankLevr partner
CityFirst Bank offers a range of financial services including personal and business banking, loans, and investment products to meet the needs of its customers.
CDFIs and community lenders
Los Angeles, CA
Driven logo
DrivenLevr partner
Driven specializes in providing fast and accessible online business loans and financing solutions for small businesses across Canada, offering amounts ranging from $500 to $300,000 to help them unlock necessary capital.
Online lendersWorking capital loansCanada Small Business Financing Program
Toronto, ON
Fora Financial logo
Fora FinancialLevr partner
Fora Financial offers lump-sum business loans and a separate revenue advance with payments linked to sales. Compare the legal structure, total cost and payment mechanics of the actual offer.
Broker and lenderOnline lendersWorking capital loansTerm loans
New York, NY
Fundbox logo
FundboxLevr partner
Fundbox offers business credit through direct and embedded platform channels. Available terms can differ by channel, and a public product illustration is not a confirmed borrowing limit.
Online lendersBusiness lines of creditTerm loans
San Francisco, CA
Journey Capital logo
Journey CapitalLevr partner
Get on the path to success.
Online lendersWorking capital loansCanada Small Business Financing Program
Montréal, QC
OnDeck logo
OnDeckLevr partner
OnDeck offers business term loans and revolving credit for operating businesses. Compare the repayment schedule, fees, security and early-payoff conditions on the specific product you are offered.
Online lendersBusiness lines of creditTerm loans
New York, NY
Pillar Capital logo
Pillar CapitalLevr partner
Pillar Capital Corp. is a privately held lending company that provides fast, flexible, short/medium term loans to businesses in Canada.
Revenue based fundersTerm loansCanada Small Business Financing Program
Calgary, AB
Taycor Financial logo
Taycor FinancialLevr partner
Taycor Financial offers equipment loans and leases, plus working-capital products. Its equipment application-only threshold is not a universal financing maximum; obtain a written quote for the specific program.
Equipment lessorsEquipment financingWorking capital loans
El Segundo, CA
1S
1st Source Bank is a bank headquartered in South Bend, Indiana. Its June 30, 2026 FDIC financial report records commercial and industrial loans. Product availability and current lending criteria should be confirmed with the bank.
BanksUnclaimed
South Bend, IN
Access CDFI logo
Nonprofit community lender providing Nevada businesses with expansion loans, contract financing, microloans, and childcare financing alongside business assistance.
CDFIs and community lendersTerm loansWorking capital loansUnclaimed
Las Vegas, NV
Access to Capital for Entrepreneurs logo
Nonprofit Georgia lender providing small business loans for working capital, inventory, vehicles, and equipment alongside business coaching.
Direct business lendersTerm loansWorking capital loansUnclaimed
Cleveland, GA
Accessity logo
AccessityListed
San Diego community lender offering term loans for startups and expanding businesses across Southern California, with education and connections to business support resources.
Direct business lendersTerm loansStartup fundingUnclaimed
San Diego, CA
Accion Opportunity Fund logo
Accion Opportunity Fund provides expert guidance to help you make confident decisions in business funding and coaching.
CDFIs and community lendersWorking capital loansTerm loansUnclaimed
San Jose, CA
Addison County Economic Development Corporation logo
Addison County Economic Development Corporation provides revolving business loans for startups and existing companies needing equipment, property improvements and growth capital.
Direct business lendersEquipment financingCommercial real estate loansUnclaimed
Middlebury, VT
Aequum Capital logo
Chicago specialty lender providing asset based and cash flow financing to midsize businesses for acquisitions, working capital, growth, and turnaround situations.
Direct business lendersAsset based lendingWorking capital loansUnclaimed
Chicago, IL
AE
Community lender helping African immigrant entrepreneurs launch and grow businesses through accessible financing, business development support, and financial coaching.
Direct business lendersTerm loansWorking capital loansUnclaimed
St Paul, MN
Akaitcho Business Development Corporation logo
Community lender providing business loans and planning support to entrepreneurs in N’dilo, Dettah and Yellowknife in the Northwest Territories.
Direct business lendersStartup fundingTerm loansUnclaimed
N’dilo, NT
Akiptan logo
AkiptanListed
Native community lender financing agricultural producers and food businesses, including startup costs, operating needs, and ownership alongside technical assistance.
Direct business lendersTerm loansWorking capital loansUnclaimed
Eagle Butte, SD
AG
Anchorage business lender providing SBA and USDA financing to small businesses in Alaska and other Northwest markets.
Direct business lendersTerm loansUnclaimed
Anchorage, AK
Alaska Industrial Development and Export Authority logo
Alaska Industrial Development and Export Authority provides direct business loans and project financing for equipment, property, facilities and working capital in Alaska.
Direct business lendersEquipment financingCommercial real estate loansUnclaimed
Anchorage, AK
Alberta Indian Investment Corporation logo
Enoch First Nation owned lender providing equipment, working capital and business development loans to First Nation entrepreneurs in Alberta.
Direct business lendersEquipment financingWorking capital loansUnclaimed
Enoch, AB
Alberta Women Entrepreneurs logo
Edmonton nonprofit lender supporting women owned Alberta businesses with loans for equipment, working capital and market ready startups, plus business guidance.
Direct business lendersTerm loansEquipment financingUnclaimed
Edmonton, AB
All Nations Trust Company logo
Kamloops Indigenous owned financial institution providing commercial business loans and financing packages for Indigenous entrepreneurs and communities across much of British Columbia.
Direct business lendersTerm loansStartup fundingUnclaimed
Kamloops, BC

Who offers business term loans?

Banks, credit unions, online lenders and CDFIs. Banks and credit unions price lowest; online lenders fund fastest on shorter terms.

What do term loan lenders look for?

Two years of returns, debt service coverage of about 1.25 times, good business and personal credit, and collateral or a guarantee behind the loan.

How does a lender get on the register?

Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.

How many term loan lenders are on the register?

648 today, with 42 loan officers who work at them, across the US and Canada. Any lender can claim its entry and correct its details.