Business term loans.
A business term loan gives your business a lump sum, delivered upfront, paid back on a schedule you know in advance. Sinai Capital funds business term loans from $25K to $500K+, with money in your account in as soon as 24 hours after approval.
Applying does not affect your credit score.
The product
How a business term loan works
Your business receives one lump sum upfront and repays it on a fixed schedule. Every payment is a known amount, on a known date, from the day the money lands. Owners choose a term loan when the money has one purpose with a known cost.
Use cases
What owners put it toward.
A one-time investment with a known cost, paid back as the business earns.
Equipment and vehicles
Buy machines, vehicles, or tools outright, and own them from day one.
Inventory
Stock up ahead of a busy season, when buying in volume costs less per unit.
Expansion
A second location, a renovation, or a bigger space, funded upfront.
Hiring and payroll
Cover payroll while new hires ramp up and their work turns into revenue.
Consolidating debt
Pay off scattered balances and replace them with one payment.
Who qualifies?
Businesses with steady monthly sales are the best fit. Approval is based on your monthly sales, not just your credit score, and credit scores as low as 580 can qualify. Revenue is verified with your last 4 months of business bank statements.
Common questions
Straight answers.
Sinai Capital funds business term loans from $25K to $500K+. The amount is sized on your monthly sales, verified with your last 4 months of business bank statements.
The label is the same, the process is not. A bank underwrites your credit file at its own pace. Sinai Capital sizes funding on your monthly sales, and money can be in your account in as soon as 24 hours after approval.
Funds can be in your account in as soon as 24 hours after approval. The application itself takes minutes.
Credit scores as low as 580 can qualify for a business term loan through Sinai Capital. Approval is based on your monthly sales, not just your credit score.
You need your last 4 months of business bank statements. They verify your revenue, and your monthly sales determine the offer.
See what your sales qualify for.
Sinai Capital funds $25K to $500K+, with money in your account in as soon as 24 hours after approval. Applying takes minutes and does not affect your credit.