Long-Term Loans: Stable, Direct Funding Built for Your Biggest Business Moves

    Access higher funding amounts and extended repayment terms for major investments like real estate, heavy equipment, or business expansion.

    No credit impactSoft pull only
    24-hour fundingFast approval
    20,000+ fundedNationwide
    Application

    What do you need funding for?

    $2.5B+

    Funded nationwide

    Direct to small businesses

    95%

    Approval rate

    For qualified applicants

    12 hrs

    Avg. funding speed

    Application to funded offer

    Why Long-Term Loans Give You Strategic Stability

    Invest in the moves that define your company's future. Larger amounts, longer terms, and lower payments designed for transformative growth.

    Up to 25-year terms

    Extended Repayment Terms

    Spread payments over 3 to 25 years, keeping monthly obligations manageable while investing in transformative growth. Longer terms mean lower payments and better budgeting.

    Up to $5M available

    Higher Funding Amounts

    Access $50K to $5M for major investments like commercial real estate, heavy equipment, or business acquisitions. The scale your established business deserves.

    Predictable payments

    Fixed-Rate Stability

    Lock in your interest rate for the entire life of the loan. No surprises, no market-driven fluctuations — just predictable payments you can plan around.

    Invest in growth

    Build Lasting Equity

    Long-term financing builds equity in real assets — real estate appreciates, equipment generates revenue. Your loan payments become an investment in your company's future.

    No credit score impactDecisions in minutesRates from 6.5% APR
    Explore all financing options

    Your long-term financing in three easy steps.

    From application to major investment — streamlined, transparent, and built to support your long-term vision.

    01
    Prequalify

    Share your investment goals.

    Complete a quick 2-minute form with your business details, desired funding amount, and intended use. Our initial check uses a soft pull — your credit score stays untouched.

    2 minto complete
    02
    Get Matched

    Compare long-term loan offers.

    Your dedicated funding advisor reviews your profile against our lending network and presents the long-term options with the best rates, terms, and structures for your goals.

    Same daydecision
    03
    Get Funded

    Receive your capital.

    Accept your offer and complete the closing process. Funds are deposited directly into your business account — many borrowers receive capital within days of final approval.

    24 hrsavg. funding time
    No hard credit pullFree to applyNo hidden fees
    Start your application

    Explore complementary funding paths.

    Long-term financing is your anchor for major investments. Pair it with flexible products designed to cover every operational need your business encounters along the way.

    Government-Backed

    SBA Loans

    Access government-backed financing with the longest terms and lowest rates available. Ideal for real estate, equipment, and expansion.

    What's included

    • Up to $5M funding
    • Terms up to 25 years
    • Competitive APRs
    • Multiple SBA programs
    Large Scale

    Commercial Business Loan

    Higher funding amounts with competitive rates for established businesses seeking substantial growth capital.

    What's included

    • $50K–$5M funding
    • Flexible terms
    • Competitive APRs
    • Multiple structures
    Asset-Backed

    Secured Business Loans

    Use your existing assets as collateral for higher limits and better rates on major business investments.

    What's included

    • $25K–$5M funding
    • Lower rates with collateral
    • Flexible terms
    • Multiple asset types
    No credit score impactDecisions in minutesFunds as fast as 24 hrs
    Explore all financing options
    Loan Calculator

    Business Loan Calculator: Estimate Your Payments

    Calculate your monthly payments, total interest, and full amortization schedule in seconds — no sign-up or credit check required.

    Loan Details

    Loan Amount$75K
    $5K$500K
    Loan Term24 months
    3 mo60 mo

    Credit Profile

    Credit RangeGood
    Est. rate:% APR

    Optional

    Extra Monthly Payment
    $/ mo

    Monthly

    $3,531

    per month

    Interest

    $9.7K

    total interest paid

    Total Cost

    $84.7K

    principal + interest

    Amortization Breakdown

    How your payments split over time

    Principal paid
    Interest paid

    Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.

    Apply now — it's free

    Real results

    Long-term vision, long-term results.

    "We acquired a 12,000 sq ft commercial building through GBB Loans' long-term financing and locked in a rate that cut our monthly occupancy costs by 40% compared to leasing. Within 18 months, the property appreciated enough to give us significant equity we can leverage for future growth."

    Funded $1,250,000
    R
    Robert M.CEO, Pinnacle Distribution Group

    "Financing a complete CNC manufacturing line seemed out of reach until GBB Loans connected us with a lender offering 7-year terms. The monthly payments are less than what we were spending on outsourced machining, and we've tripled our production capacity. The ROI was evident within the first quarter."

    Funded $485,000
    S
    Sandra L.Operations Director, Apex Precision Manufacturing

    "We used long-term financing to open three new locations simultaneously across the Southeast. GBB Loans structured a single loan that covered buildouts, equipment, and initial operating capital. Having one predictable payment instead of juggling multiple credit lines made the expansion manageable and stress-free."

    Funded $720,000
    J
    James T.Founder, Coastal Veterinary Partners
    4.9★average rating
    $2B+funded
    30,000+businesses served
    FAQ

    Long-term loans: FAQ.

    Everything you need to know about securing long-term business financing through GBB Loans.