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Value One is committed to small business owners. Being a small business owner is one of the most rewarding careers you can have. With the freedom to work as your own boss, you experience flexibility that other employees do not. You can create your own work/life balance, choose your coworkers, and challenge yourself – all while watching your dreams unfold before you.

Following your passion allows you to reap the benefits of your hard work, but first you must take the risk. Building your small business not only takes a great amount of time and effort, but it also requires a significant financial investment. As a business owner, you are ultimately responsible for covering all the costs associated with running it including rent, advertising, equipment and machinery, taxes, and more.

Because we believe that financial challenges shouldn’t stand in the way of success, Value One provides term loans for small businesses, as well as advice and other financial resources you need to help your business thrive.

Business Term Loans Tailor-Made for Your Dreams

At Value One, we understand that every business is different and one solution is not right for every situation. We take the time to get to know every aspect of your business, working closely with you to find a business term loan that suits your specific needs. Whether you are looking for funds to start a new business or improve on your existing business, we’ll help find the perfect term loan for you.

With so many different types of loans available, finding the right one can often be a daunting project. That’s why Value One walks you through every step of the loan process. We’ll help you assess your company’s current capital and credit capacity to find a term loan that works for you, at a rate you will love.

Get your custom quote for a business term loan by prequalifying right now!

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Business Term Loans

Value One is committed to small business owners. Being a small business owner is one of the most rewarding careers you can have. With the freedom to work as your own boss, you experience flexibility that other employees do not. You can create your own work/life balance, choose your coworkers, and challenge yourself – all while watching your dreams unfold before you.

Following your passion allows you to reap the benefits of your hard work, but first you must take the risk. Building your small business not only takes a great amount of time and effort, but it also requires a significant financial investment. As a business owner, you are ultimately responsible for covering all the costs associated with running it including rent, advertising, equipment and machinery, taxes, and more.

Because we believe that financial challenges shouldn’t stand in the way of success, Value One provides term loans for small businesses, as well as advice and other financial resources you need to help your business thrive.

Business Term Loans Tailor-Made for Your Dreams

At Value One, we understand that every business is different and one solution is not right for every situation. We take the time to get to know every aspect of your business, working closely with you to find a business term loan that suits your specific needs. Whether you are looking for funds to start a new business or improve on your existing business, we’ll help find the perfect term loan for you.

With so many different types of loans available, finding the right one can often be a daunting project. That’s why Value One walks you through every step of the loan process. We’ll help you assess your company’s current capital and credit capacity to find a term loan that works for you, at a rate you will love.

Get your custom quote for a business term loan by prequalifying right now!

We add Value by adding to your working capital.

Additional funds enable small business owners to open new doors, whether they are starting a new business or growing an existing one. We offer a range of working capital options that add value to small and mid-sized businesses across the country.

What is a Business Term Loan?

Although there are many different types of business loans on the market, most people are familiar with term loans. A term loan is a traditional business loan that gives you the money you need upfront, in the form of a lump sum payment. You then pay off the loan principal in regular intervals over a set period of time with an agreed amount of interest.

A term loan is based on a risk assessment of your business – the structure of your loan varies greatly depending on your business’s current financial situation and estimates of how quickly you will be able to repay it. Because of the variation in payment structures, term loans are easy to customize to meet the specific needs of your business.

Advantages of a Business Term Loan

Value One understands that developing and expanding your small business often requires large financial investments on your part.  While some people cover these expenses out-of-pocket, it’s neither realistic nor practical for many business owners. Although the loan process may seem overwhelming, Value One is here to help you understand your working capital options and the specific advantages you gain by choosing a term loan!

Term loans are the most common type of loan, as the number of different options available makes them beneficial to almost any business. Once you qualify for a short-term or medium-term loan, you can choose between daily, weekly, or monthly re-payment plans. With longer payment terms, you can reduce your regular payments and funnel more money into your business. Because term loans feature a set payment schedule, you can better plan your budgeting and you’ll never be hit with unexpected fees.

Most importantly, a term loan gives you the capital you need to support a wide range of business endeavors. Whether you are funding a new marketing campaign or building a new location for your business, a term loan helps you take your business to the next level.

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Is a Business Term Loan Right for Your Small Business?

Term loans are perfect for business owners who are trying to acquire more working capital or buy new equipment and/or build their inventory. Term loans are best used for long-term investments that cannot be paid off immediately.

As best practice, term loans are used for a specific purpose that will boost your business or increase your revenue. For example, if your business is moving to a larger location or launching a new product manufacturing initiative, a term loan can help you cover some associated expenses. Because your sales are likely to improve from relocating or expanding your business, it is safe for a lender to assume that you can repay the loan and interest on the schedule and terms you’ve both agreed upon in advance.

Loan approval, like the term length and payment structure of your loan, is decided based on your company’s growth needs and revenue. Although it is not necessary for some other loan types, collateral is often a requirement when applying for term loans. Because repayment terms are typically longer, a good credit rating is also needed to obtain the best rates on term loans.

If you are interested in securing funds to grow your small business, contact Value One today and we’ll help you find the right business term loan provider for your company. 

Call us at 855-248-5050 or complete the form below to take the next step toward your business goals.
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