Post Oak Funding
Focus on Growth, But Never Forget Your Roots.

Small Business Loan Services | Business Loan Terms and Interest Rates

Lower Rates. Longer Terms.

Small Business Term Loan

Designed to attract strong credit businesses needing longer terms and lower interest rates than traditional working capital loans and has the record to merit it. Our Small Business Term Loan is designed for well-established businesses looking to fuel long term expansion. Because our Small Business Term Loan offers significantly lower rates and longer terms than our Working Capital Loan, it naturally comes with higher approval standards. However, it is still far more attainable than traditional bank financing for a small business

Qualification Criteria

  • Must be a U.S. based business (in any of the 50 states!) with an established business checking account
  • Minimum owner FICO of 630
  • At least $350,000 a year in annual revenue
  • At least 2 years time in business
  • Company must be profitable


Program Highlights

  • Funding amounts from $50,000 - $500,000
  • Terms from 12 – 36 months
  • Daily, weekly, or bi-weekly payment options
  • Repayment cost as low as 6 cents per borrowed dollar 
  • No prepayment penalty
  • Early payment discounts availabe

*Deals longer than 24+ months may be priced using an Annualized Percentage Rate (APR) basis.

  • Credit decision within 1-2 business days of a submitted package (many working capital loan requests will be approved same day)
  • Funding within 1-3 business days after agreement on terms