Capital Gurus®

        • Let’s See
          If We Match

          Apply now to see how much working capital your business may qualify for in just a few minutes.

          All you need to qualify is:

          All of our products

          Line of Credit

          Get more with a line of credit, financing up to $5,000,000

          Equipment financing

          Finance your equipment today approved as fast as 2 hours.

          Term Loans

          Term loans made fast & easy, personalized for your needs.

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Loans & Financing > Term Loans

Term loans made fast & easy.

$10k to $500k

loan amounts – easier than ever before.


daily or weekly payments, hassle-free process.

60 months

repayment terms, flexible as you need them.

Lowest rates

in the industry. Only worry about growing.

What is a term loan and how does it work?

If you’re looking for financing for a specific business investment, like starting a new project or making a large purchase, a short term loan can be a great option. As an installment loan, a short term loan provides a lump sum of cash that you can use for your business as needed. With Capital Gurus, you can get your funds as early as the day your loan is approved, and repay the loan on a schedule that works for your specific project timeline.

Short term loans are typically repaid in a year or less, although some lenders like Capital Gurus may offer longer repayment terms up to 24 months. These loans can be used to cover a variety of business expenses, with loan amounts that vary depending on the lender and your qualifications. Interest rates on short term loans can also vary based on factors such as credit scores and annual revenue.

However, with Capital Gurus, you can expect competitive rates and transparent pricing, so you always know the cost of capital upfront. Whether you’re looking to start a new project, expand your business, or cover unexpected expenses, a short term loan from Capital Gurus can provide the funds you need to achieve your goals.



With Capital Gurus you could get funds in your bank account by 5:00 pm the same day.*



Pay your loan off early in full and have all remaining interest waived without any penalty or fee.*


Build business

Help build your business’s credit by making on-time payments, which we report to bureaus.


Predictable, fixed payments

Pay the same amount on time, so you can manage your cash flow with no surprises or large costs up front.

Are we a match?

1 year

in business, at least.


personal FICO score.


in gross annual revenue.


bank account.

If you are full of why’s and what’s…

Check our consolidated list of frequently asked questions to help you navigate our term loans product.

Same Day Funding is as simple as it sounds. It allows you to receive funds in your account as early as the day you finalize your term loan with Capital Gurus. There’s no special enrollment and no additional cost.

We believe in rewarding you for your loyalty and making it easy to access additional funding. Once your initial or current loan is 50% paid down you have the option to apply to renew your loan and you will not be charged any remaining interest on your existing loan. You may even qualify for a lower or 0% origination fee.

Paying back your term loan with Capital Gurus is easy and hassle-free with automatic bank account deductions so you don’t have to worry about missing a payment. The daily or weekly payment is based on the amount and term length of your financing and is intended to be a manageable number based on the information you provided to Capital Gurus in your application.

The total cost of your short term loan will vary based on a number of factors, including your personal and business credit scores, time in business and annual revenue and cash flow.

Capital Gurus doesn’t offer “bad credit loans.” However, a bad credit score doesn’t always mean you can’t qualify for business financing. Our short term loans can provide an alternative source of funding for borrowers who have had difficulty getting approved for credit cards and traditional installment loans.

We understand every business has different needs, so unlike many online lenders, we’ve got different loan types available for you. At Capital Gurus you can easily apply and if approved, you may be offered a small business line of credit in addition to your existing term loan or in many cases you can start them at the same time.

Because in some situations, a lease can cost more than a loan, many businesses choose to finance the purchase of equipment rather than lease. Additionally, the entire amount of a lease payment may not be tax deductible if your lease terms include any provision allowing you to own the equipment at the end of the lease. You’ll need to consult with your accountant or financial advisor to see if this is the case for your situation.

Eligibility Criteria

for financing your equipment at Capital Gurus®

Let’s See
if We Match

Apply now to see up to how much you can qualify for a term loan in just a few minutes.

All you need to qualify is:

My credit is...

My monthly sales volumes is around... $100,000

$10k $2mm+

How much could I qualify for?


*Results shown are for illustration purposes only. Applications are subject to approval.