Do you filter to consolidation-only files?

Yes. Use-of-funds is captured and you can filter to consolidation, refi or new-money inquiries.

Are existing debt balances captured?

Yes, for consolidation inquiries we prompt for outstanding balance, monthly payment and remaining term of each position.

What's the FICO floor?

620 by default. Community bank buyers typically raise to 680; you set your own floor.

Do you handle both bank and online lender inquiries?

Yes. Bank inquiries are tagged by expressed rate expectation and TIB, you can filter accordingly.

How is pricing structured?

Pricing is set on a discovery call based on product mix and your requirements. We'll walk you through what's included.

US lead product · Working capital

Term Loans

Traditional and online fixed-payment term loans.

$25k – $500k1 – 5 years2 days – 3 weeks

Join the waiting list for Term Loans All US products

Traditional and online fixed-payment term loans

Fixed monthly payments
Bank and online lender variants
Great for consolidation and one-time investments

Leads sourced through our multi-channel B2B marketing engine

Google Ads

Meta Ads

LinkedIn Ads

Microsoft/Bing Ads

TikTok Ads

YouTube Ads

X Ads

SEO

SEO for AI

Email marketing

SMS & MMS marketing

Telemarketing

Partner referrals

Affiliate marketing

Google Ads

Meta Ads

LinkedIn Ads

Microsoft/Bing Ads

TikTok Ads

YouTube Ads

X Ads

SEO

SEO for AI

Email marketing

SMS & MMS marketing

Telemarketing

Partner referrals

Affiliate marketing

What are term loans?

Term loans are the most familiar business finance product, a fixed lump sum, a fixed rate, a fixed monthly payment over 1–5 years. Online lenders have made these products bankable for businesses that couldn't clear a traditional bank credit committee.

Because the structure is well understood, borrowers arrive knowing what they want, which drives high close rates for buyers with the right rate card.

Product mechanics

Key numbers your BDO team should know before the first call.

Loan range: $25k – $500k
Typical term: 1 – 5 years
Indicative rates: 8% – 30% APR (indicative)
Funding speed: 2 days – 3 weeks
Typical borrower: Established SMEs financing a specific project, expansion, or debt consolidation.
Why brokers want these: Predictable structure buyers can price quickly; strong for consolidation plays.

Common use cases

Consolidating multiple higher-cost advances
One-time expansion investments
Refinancing bank debt at a better rate
Funding a specific capex project

Typical borrower qualifications

1+ year TIB
$15k+ monthly revenue
FICO 620+

Why brokers buy from us

Why working capital brokers buy term loans leads from us

What makes this feed different from generic aggregator flow.

Consolidation payoff schedule pre-built for files with 2+ existing positions

Fixed-payment intent captured, no wasted underwriting on borrowers who really want MCA

FICO 620 floor keeps out subprime files that belong in MCA / alt-finance

Compare

How term loans compares to adjacent products

Help your team route inquiries to the right product on day one.

vs SBA 7(a)

SBA is lower-rate and longer-term but 30-90 day close; term loans fund in days at higher APR.

vs Merchant Cash Advance

MCA is factor-priced with daily ACH; term loans are APR-priced monthly, pick based on merchant's cash-flow rhythm.

View Merchant Cash Advance

vs Business Line of Credit

LOC is revolving with pay-as-you-draw; term loan is one lump sum for a defined project with a defined payback.

View Business Line of Credit

Our lead generation process

How we generate term loans leads

Every inquiry is captured, consented and verified before it reaches your team.

Source channels

Google Search Ads on 'business term loan' and 'consolidate business debt'
SEO for MCA-consolidation and payoff-calculator content
Retargeting from LOC and MCA visitors who indicated preference for fixed payment
Comparison partnerships (Nav, Lendio-style marketplaces) for co-branded flow

Data captured on each lead

Requested loan amount, preferred term and monthly payment target
Use of funds (consolidation, capex, expansion, refi)
Time in business, revenue and owner FICO
Existing debt schedule, outstanding balances and monthly payments

Verification workflow

1-year TIB, $15k revenue and FICO 620 gate applied at capture
Consolidation payoff analysis prompt when 2+ existing positions disclosed
Restricted-industry and state filter honored per buyer
TCPA + CAN-SPAM consent with IP, timestamp, source URL

What a lead looks like

Verified inquiry

$25k · Term Loans

LLC · US-based · verified decision-maker · TCPA consent on file

Requested loan amount, preferred term and monthly payment target: ✓
Use of funds (consolidation, capex, expansion, refi): ✓
Time in business, revenue and owner FICO: ✓
Existing debt schedule, outstanding balances and monthly payments: ✓

Who this suits & how we qualify

Best fit for

Online lenders, community banks, and consolidation specialists.

Qualification standard

1-year TIB, $15k revenue and FICO 620 gate applied at capture
Consolidation payoff analysis prompt when 2+ existing positions disclosed
Restricted-industry and state filter honored per buyer

Turnaround

Fresh, consent-captured inquiries delivered to you in real time, inside your agreed response window.

Broker FAQs

Common questions from buyers of term loans leads.

Ready for verified Term Loans inquiries?

Tell us your credit box and volume, we'll come back within one business day.

Join the waiting list