A term loan is a structured business loan that provides a one-time lump sum of capital, repaid over a fixed period with regular interest payments. Loan terms typically range from one to ten years, with repayment schedules based on the amount borrowed, creditworthiness, and intended use. These loans can be either secured by business assets or unsecured, depending on the lender’s risk assessment. Term loans are one of the most commonly used financing options for business growth, expansion, or large purchases.

If your business is planning a major initiative—such as launching a new product, expanding operations, or investing in infrastructure—a term loan gives you the financial runway to execute without interruption. The predictability of monthly payments makes budgeting easier, allowing you to focus on performance rather than scrambling for cash. It’s a reliable solution when you know what you need, how you will use it, and when you expect to see results.

At Aranea Capital, we match you with lenders who offer term loans structured to your timeline, revenue cycle, and strategic objectives. We help you navigate rates, collateral options, and approval requirements, ensuring the loan supports your next step—not burdens it. With Aranea, you get more than funding—you get a partner who understands how timing, clarity, and execution come together for lasting growth.