Business Term Loans

Small Business Term Loans can help you solve your short-and long-term business financing needs

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Small trucking business owner smiling know his business is funded for the future with a Business Term Loan from Civic.

Adaptable

Business term loan options that meet your needs

Flexible

Short- or long-term business loans

Established

Loans for businesses with 2+ years of history

Getting our best business term loans

Between short- and long-term financing needs, a business term loan may be in your future. Maybe your need is cash flow management, equipment financing, or funding to purchase business real estate. Getting the best business term loan rates you can find will help keep your payments affordable over time.

Civic Business Term Loans¹ are ideal for businesses with 2 or more years of operating history and are adaptable to meet almost any business financing need. The Civic team will guide you through loan requirements and how to use collateral to secure your business loan. Or, select an unsecured business term loan to help meet short-term goals with lower loan minimum amounts.

Either way, choose your business loan with confidence and personal support from our team.

A small business owner in her office with computers and other equipment bought with a Civic Business Term Loan.

Terms

Secured business term loan has minimum loan amount of $10,000
Secured loan terms range from 1 year to 10 years
Unsecured business term loan has $1,000 loan amount minimum
Unsecured business loan terms are up to 3 years

Features

No pre-payment penalties for all business term loans
Secured loans have Loan-to-Value ratio (LTV) up to 100%, depending on collateral
Flexible terms for all business term loans
Funding to purchase equipment, real estate and more

Ready to apply?

Get the best Business Term Loan for your short- and long-term needs, with no pre-payment penalties

apply today

Life is digital

So are these everyday financial tools

Civic Bonus Checking contactless payment graphic

Pay fast and secure with tap to pay or digital wallet

Send and receive money - fast, safe, and easy

Calendar with direct deposit 3 days early.

Your paycheck could arrive up to 3 days early

Business Rewards Credit Card

Charging up business

Flexible spending limits from $1,000 to $30,000
1% back on your purchases, in rewards points
Real-time spending and location-based alerts
No application, annual, transfer, or cash advance fees

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Business Line of Credit

On-demand business funding

Low business line of credit rates
Revolving access starts at $1,000
Maximum of $30,000 (unsecured only)
Get consistent access to funding

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Apply for a Business Term Loan that is flexible and fits your needs

Reaching your business goals takes effort and the right financing options for your needs. And low business term loan rates can help keep your payments affordable. Take your business to the next level with business financing made just for you.

apply today

¹All Business Term Loans are subject to approval, including credit approval. Credit, collateral and underwriting standards apply. Member pays document preparation fee. All rates and offers are subject to change. Please contact a Business Development Team member for details.