M-F 9:30a - 6:30p | Sat 10:30a - 2:30p
5001 California Ave Suite 219 Bakersfield, California 93309
Have Questions?(661) 310-3040 Request Funding
Business Term Loan

One Lump Sum.
One Simple Payment.


Borrow $25,000 to $400,000 up front for a bigger, planned move, and pay it back on fixed terms you can count on.

$25K–$400K
FUNDING RANGE
24hr
TIME TO FUND
650+
CREDIT OK
Fixed Term
STRUCTURE
What It Is

A Straightforward Business Loan.


A term loan gives you a fixed amount of capital up front, repaid over a set period with predictable payments. It is the simplest way to fund a big, planned investment in your business.

Perfect For

Who A Term Loan Fits.

Big, Planned Moves

Fund an expansion, a renovation, or a major purchase with one clean loan.

Growth Investments

Put capital behind a bet that pays back over months, not days.

Predictable Budgets

Lock in a fixed payment so you always know exactly what you owe.

Refinancing

Consolidate costlier debt into one lower, simpler payment.

How It Works

Funded In Four Steps.


From application to funded, usually within a day or two.

01

Apply In Minutes

A short application and a soft check that never touches your credit score.

02

Get Approved

See your amount and terms, often the very same day.

03

Review Your Offer

Go over the payment and the term with your advisor, no surprises.

04

Get Funded

Sign off and the lump sum lands in your account.

What We Look For

Simple Requirements.


Most businesses qualify. Here is the general profile we look for.

Minimum Monthly Revenue$15,000
Time In Business2+ Years
Minimum Credit Score650+
Funding RangeUp To $400K
Collateral RequiredNone
Prepayment PenaltyNone
Hard Credit PullNever
Why Mesa

Built To Work Like You Do.

Common Questions

Term Loan FAQ.

How Long Are The Terms?

Term loans typically run from one to five years depending on the amount and your profile. You will see the exact term in your offer.

Are There Prepayment Penalties?

In most cases, no. Many of our term loan options let you pay early and save on interest.

Will Applying Hurt My Credit?

No. The initial check is a soft pull. A hard pull only happens if you move forward and accept an offer.

What Can I Use It For?

Any legitimate business purpose, expansion, equipment, hiring, refinancing, or working capital.

Ready When You Are

Fund Your Next Move
With One Simple Loan.

See your amount and payment before you commit to anything. The soft check takes five minutes and will not touch your credit.

See What You Qualify For →