Long-Term Loans: Stable, Direct Funding Built for Your Biggest Business Moves in 24 Hours

    Plan for the long haul with stable, direct long-term business loans. Access higher funding amounts and extended repayment terms for major investments like real estate, heavy equipment, or business expansion. Fast prequalification with no impact to your credit score.

    No credit impactSoft pull only
    24-hour fundingFast approval
    20,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    $2.5B+

    In business funding

    Deployed to SMBs nationwide

    4.9

    Customer rating

    Based on 12,000+ reviews

    95%

    Approval rate

    Among qualified applicants

    12 hrs

    Average funding time

    From application to offer

    Long-Term Loan Benefits

    Why GBB Loans 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.

    01
    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 25-year terms
    02
    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.

    Up to $5M available
    03
    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.

    Predictable payments
    04
    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.

    Invest in growth
    Simple process

    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

    Your Options

    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
    Get started
    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
    Get started
    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
    Get started
    No credit score impact Decisions in minutes Funds as fast as 24 hrs

    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

    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.

    Real stories from business owners who secured long-term financing and made the strategic investments that transformed their companies.

    "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
    Common questions

    Long-term loans: FAQ.

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

    Start Your Application

    Ready to Invest in Your Business Future?

    Higher funding amounts, extended repayment terms, and the financial stability your biggest moves demand. See what you qualify for in under 2 minutes — no fees, no obligation, no credit impact.

    No credit impactSoft pull only
    24-hour fundingFast approval
    20,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    GBB Loans

    America's largest small business loan marketplace. Funding made simple, fast, and transparent.

    Copyright © 2026 GBB Loans. All rights reserved.

    California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through GBB Loans Partners, LLC, a wholly-owned subsidiary of GBB Loans, Inc. and a licensed finance lender/broker, California Financing Law License No. 60DBO-44694. GBB Loans is not a lender and does not make credit decisions. Financing terms, conditions, and eligibility are determined solely by the participating lenders and may vary based on applicant qualifications. Compensation may be received from lenders for referrals or funded loans, which may impact the placement of financing offers. Not all financing options available in the market are listed on this platform. We encourage applicants to carefully review all lender disclosures and loan agreements before proceeding. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    1. Time to fund depends upon the product that you select, and can be as little as 24 hours, but may be longer.
    2. Filling out an application for business funding and submitting it to our funding partners will not impact your personal credit score. However, depending on the product and lender, accepting a funding offer may result in a hard credit inquiry, which could affect your personal credit score.
    3. Funding amounts and number of total loans funded include loans funded under the Paycheck Protection Program.