Business term loans built for stability and predictability

Structured financing for long-term investments — not short-term stress.
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Term loans remain a cornerstone of business financing—but only when structured correctly. Too often, businesses accept loan terms that don’t reflect their cash flow, growth stage, or strategic priorities.

startBiz helps businesses secure term loans that make sense operationally and financially. We focus on matching loan structure, duration, and repayment to real business performance—so debt becomes a tool for progress, not pressure.

How does your industry fit in?

Just a few of the industries that can benefit.

Transportation

Repairs, supplies, fleet expansion

Hospitality

Inventory, location and marketing

Construction

Materials, equipment and labour

Retail & E-Commerce

Inventory and digital marketing budgets

Medical

Equipment, facilities and staffing

Wholesalers

Large orders and vendor payments

Professionals

Inventory, location and marketing

Beauty & Wellness

Expansion, staffing and supplies

Auto Services

Inventory, location and marketing

Don’t see your industry here? Let’s have a discussion about your business and how we can help.
Typical Uses
  • Renovations
  • Expansions
  • Owner-Operator growth
  • Large purchases
  • Refinancing existing debt
Cost, Terms and Trade-offs
  • Competitive interest rates
  • Multi-year amortization
  • Personal guarantees or collateral most times
When Term Loans make sense
  • Long-term investments
  • Stable revenue businesses
  • Predictable cashflow
  • Expansion with measured ROI expectations
When CSBFL does not make sense
  • Short-term cash gaps
  • Seasonal volatility
  • Unclear ROI
  • Businesses still finding their footing

General guidelines only. Each situation is unique and may have more options.

Explore whether a term loan fits your business

Why Us?

Banks want to see well organized and complete applications. With our Capital Readiness service, startBiz knows how to structure them properly so you get approved instead of sent in circles.

Financing. Fixed.

Where small businesses get real funding solutions.
startBiz has developed our Fixer Framework™ exclusively for small business financing, providing owners with direct solutions and practical guidance that banks and traditional lenders don’t offer.

We fix the financing issues that slow the growth of small businesses, using five principles.

 

Clarity

Integrity

Competence

Professionalism

Discipline

Inspired Visions

Featured client success story

The King’s Chair Barbershop is bringing upscale men’s hairstyling across the GTA and beyond.

 

Locations successfully launched in two years

%

Growth rate in the first 36 months

When visionary entrepreneurs Ali and Omar wanted to take men’s haircare and styling to another level in the Greater Toronto Area (GTA), we helped them communicate their passion and expertise to the banks through the startup phase and additional expansion financing; then we got out of the way while they have executed and brought three successul locations to the region. We can’t wait to see and be a part of their continued growth. Follow them here.

Ready to Get the Capital Your Business Needs?

Stop fighting the system alone. We bring clarity, speed, and real solutions to your financing journey.

Book a Session