Business Loans
A lump sum of capital with a clear, structured repayment schedule. Best when you have a specific, planned investment and want predictable payments you can budget around.
What it is
A business loan gives you a fixed amount of capital up front, repaid over a set term in regular installments. Because the amount and schedule are defined at the start, it’s one of the most straightforward ways to plan around a larger, one-time need.
OnTap Lending helps you compare loan options and understand likely terms — starting with a soft-pull review that won’t affect your credit score.
Best for
- Equipment, vehicles, or tools that pay for themselves over time
- Build-outs, renovations, or a new location
- Hiring ahead of a known growth window
- Consolidating costlier short-term balances into one payment
How the funds work
- Receive the full amount as a single disbursement.
- Repay in predictable installments over an agreed term.
- Rates, fees, and term length depend on your profile and the funding source.
- Early-payoff terms vary by offer and are disclosed before you sign.
Specific amounts, rates, and terms are determined during underwriting. Nothing here is an offer or guarantee of approval.
Example use cases
Illustrative scenarios — not customer records or guarantees.
Equipment upgrade
A workshop replaces aging machinery with a single loan, then spreads the cost across a term that matches the equipment’s useful life.
Second location
A growing café funds a build-out with predictable monthly payments while the new site ramps up.
Planned hire
A services firm brings on a team ahead of a signed contract, using structured financing to bridge to revenue.
Could a business loan fit?
Checking your options is a soft inquiry that won’t affect your credit score. If you choose to move forward, finalizing funding may require a hard credit pull and supporting documents.
See your options — book a call
A short conversation is the fastest way to understand what your business may qualify for. Checking your options is a soft inquiry and won't affect your credit score.