Colaeb Capital / Term loans
Borrow $10,000 to $5 million as a single lump sum with a fixed repayment schedule through our lending partner network. One application, multiple offers, and checking won't affect your credit.
By Manny Larcher, Founder of Colaeb · Updated October 2026 · Checking options won't affect your credit.
What is a term loan
A business term loan is the classic form of small business financing. You receive the full amount up front and repay it, with interest, in regular installments over a set term. Because the payment and payoff date are known from day one, term loans are easy to plan around.
That predictability makes them a strong fit for defined investments with a clear return: opening a second location, hiring a team ahead of a big contract, launching a product line or buying out a partner.
Some term loans carry a fixed rate, so your payment never changes. Others are variable and move with a benchmark rate. Fixed rates offer certainty, while variable rates may start lower. Your funding advisor will show you which structure each lender is offering.
If your needs are recurring or unpredictable, a business line of credit may cost less because you only pay interest on what you draw. If you can wait 30 to 45 days and want the longest terms, an SBA loan may lower your payment. A term loan sits in between: fast to fund, simple to manage and sized to a specific goal.
Who qualifies
These baselines open most of our partner's products. Longer terms and lower rates generally require more history and stronger credit.
Many options open up after as little as four to six months of operating history.
About $120,000 a year in revenue. Steady deposits strengthen your offers.
Options exist for most credit profiles. Stronger credit generally unlocks longer, lower-cost terms.
How it works
Answer a few questions about your business. It takes minutes and won't affect your credit.
A dedicated funding advisor walks you through each offer's amount, rate, term and payment.
Choose the offer that fits and receive funds, often within one to three days of approval.
The trade-offs
Term loans reward a clear plan. Here is how they compare.
A loan that provides a lump sum up front, repaid in regular installments over a set term, from six months to ten years through our partner network.
Term loans through our lending partner network range from $10,000 to $5 million, depending on your revenue, time in business and credit.
Term loans typically fund in one to three days after approval.
It depends on the lender. Some allow early payoff without penalty and some charge a fee or calculate interest up front. Your advisor will confirm the prepayment terms on each offer.
No. Colaeb connects you with our lending partner, ROK Financial, and its network of lenders, who make all credit decisions.
No. Reviewing your funding options does not affect your credit score.
Other ways to fund growth
One application shows you every product you qualify for. Compare them side by side on the Colaeb Capital page, or explore each option below.
Long terms and lower payments for established businesses.
Draw what you need, repay it, and draw again.
Vehicles, machinery and gear, with the equipment as collateral.
Short-term funding for payroll, inventory and cash-flow gaps.
Manny Larcher is the founder of Colaeb and an angel investor with over a decade of experience building, scaling and investing in companies across technology, healthcare, media and consumer brands. He was part of telehealth startup Ardina, acquired by Cardinal Health in 2017, and from 2022 to 2025 served as an Analyst at an Ohio venture capital firm investing in early-stage technology and healthcare startups.
Figures on this page reflect our lending partner's published ranges. Colaeb is not a lender; products are offered through ROK Financial and its network of lenders, who make all credit decisions. This page is general information, not financial advice.
Pre-qualify in minutes with no impact to your credit.