Business Term Loans — Structured Capital for Growth and Stability
A business term loan is disciplined working capital. You receive a defined amount up front and repay it in predictable installments, often monthly, over a fixed timeline (for example 24, 36, 60 months+). This can fund expansion, acquisitions, inventory, buildout, real hiring, or stabilizing a growing operation.
This is not “instant swipe money.” It’s underwritten. It’s documented. It’s designed for owners who want a structured path to scale without daily MCA-style pressure.
How principal and interest break down over time.
We are not a bank. We do not offer consumer personal loans. All programs require underwriting, verification, documentation, and compliance review. Nothing here is an approval or guaranteed offer.
Borrower: [Borrower Name / Entity]
Lender: Cheetah Capital Finance LLC (illustrative)
Principal: $250,000 (example)
Term: 36 months
Interest: Fixed / variable per agreement (illustrative)
Key Covenants (sample):
- Monthly payments include principal + interest;
- Borrower to provide quarterly financials;
- Collateral and personal guarantee may be required;
- Prepayment terms subject to agreement.
Illustrative signature block:
What Is a Term Loan?
A business term loan provides a single lump sum of capital with a defined maturity date. You agree to repay principal plus interest on a set schedule. That schedule is usually monthly, and it is known in advance.
Terms can range from short-duration (6–12 months) to longer-duration (24–60+ months), depending on strength of the file, cash flow stability, collateral, and overall credit posture.
You receive a specific dollar amount (for example, $100,000) and agree to repay it over a defined term (for example, 24 or 36 months). You know the finish line.
Each payment includes some interest plus some principal. Over time, what you owe goes down in a predictable way.
Approval is based on business performance, financials, stability, and sometimes collateral or personal guarantee strength. It’s a grown-up product.
Underwriting & Required Documentation Full Review
Term loans are underwritten using traditional-style credit review. This is not “same hour money.” A real underwriter looks at your ability to carry structured monthly payments without breaking your cash flow.
Profit & loss and balance sheet. Lenders want to know what you actually make and keep.
Usually 6–12 months of business bank statements to prove cash flow and consistency.
We look at what you’re already paying. Overloaded repayment schedules kill deals fast.
Entity docs, ownership structure, and ID verification. Compliance has to know who is actually in charge.
Some structures require a personal guarantee or a principal with proven repayment behavior.
Expansion, acquisition, buildout, refinance, working capital. “What’s the plan?” matters.
All programs are subject to verification, legal documentation, lien review, compliance review, and ongoing performance. We operate in good-faith alignment with Regulation D, Rule 506(c) requirements and applicable state “Blue Sky” notice practices, including Florida, where required. Nothing in this section is an offer, approval, or guaranteed commitment to lend.
Illustrative Term Loan Structures and Amortization Examples Education Only
These examples show how principal and interest can be allocated in a standard amortizing business term loan. They are not quotes. Your structure depends on credit profile, collateral, leverage, cash flow, industry risk, and current market conditions.
Example Amortization Schedule — for illustration only, not an offer.
| Month | Payment | Interest | Principal | Remaining Balance |
|---|---|---|---|---|
| 1 | $4,700.00 | $937.50 | $3,762.50 | $96,237.50 |
| 2 | $4,700.00 | $902.22 | $3,797.78 | $92,439.72 |
| 3 | $4,700.00 | $866.89 | $3,833.11 | $88,606.61 |
| 4 | $4,700.00 | $831.50 | $3,868.50 | $84,738.11 |
| 5 | $4,700.00 | $796.06 | $3,903.94 | $80,834.17 |
| 6 | $4,700.00 | $760.56 | $3,939.44 | $76,894.73 |
| 24 (Final) | $4,700.00 | $43.75 | $4,656.25 | $0.00 |
Approximate monthly payment in this illustration is $4,700.00. Your actual terms depend on credit quality, collateral, leverage, industry, and current market conditions. This is not a binding quote or offer.
Example Amortization Schedule — for illustration only, not an offer.
| Month | Payment | Interest | Principal | Remaining Balance |
|---|---|---|---|---|
| 1 | $8,000.00 | $1,979.17 | $6,020.83 | $243,979.17 |
| 2 | $8,000.00 | $1,929.51 | $6,070.49 | $237,908.68 |
| 3 | $8,000.00 | $1,879.49 | $6,120.51 | $231,788.17 |
| 4 | $8,000.00 | $1,829.10 | $6,170.90 | $225,617.27 |
| 5 | $8,000.00 | $1,778.34 | $6,221.66 | $219,395.61 |
| 6 | $8,000.00 | $1,727.21 | $6,272.79 | $213,122.82 |
| 36 (Final) | $8,000.00 | $62.50 | $7,937.50 | $0.00 |
Approximate monthly payment in this illustration is $8,000.00. These figures are hypothetical. They do not represent a binding quote. Terms vary based on financial strength, collateral, liquidity, and market conditions.
Actual loan structures may include covenants, prepayment language, collateral filings, reporting requirements, security interests, and personal or corporate guarantees. Read your documents. Ask questions. Get counsel.
Who Typically Qualifies Reality Check
Every file is hand-reviewed. If a full traditional-style term loan doesn’t make sense, we may explore alternative structures such as asset-backed or bridge-style programs — all subject to underwriting and compliance.
Compliance & Regulatory Notice
Cheetah Capital Finance LLC conducts only commercial financing programs. Nothing on this page is personal financial advice, tax advice, or legal advice. We are not a bank, and we do not offer consumer personal loans. All programs are subject to underwriting, documentation, verification, lien review, and compliance approval. Nothing here is an approval, offer, or guaranteed commitment to lend.
Nothing here should be interpreted as an offer to sell securities or a solicitation of an offer to buy securities. Any future investor participation opportunities — for example, accredited investors participating in certain funding pools or note structures — would only be offered under Regulation D, Rule 506(c) of the Securities Act of 1933, exclusively to verified accredited investors, and only through formal offering documents after independent accreditation verification. We align in good faith with federal securities law and applicable state “Blue Sky” requirements, including Florida notice filings where required.