Maybe It's Not You: Why The Loan Terms Matter
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The single most important factor to consider when looking for the right lending partner for your business are the terms.

Let’s start with why you are getting small business loans or better said using elastic money. Available resources are the fundamental limitation to any venture, be it a deli, be it a Vanderbilt railway. Business lenders and loan products remove natural market obstruction and are meant to yield growth.

Howeverthe very design of this financial product can get you into trouble, and treating it like a partnership—give and take, yin and yang— is the difference between success and failure.

As business owners our focus is simple, which is, to acquire funds to sustain or grow our ideas. Often we place our abilities to repay the agreement on the strength of our initiatives, but why not look at the terms of the financial product with equal value?


It is not your fault, banking marketers are the best in the business and have labeled their partnership as a financial product. Forcing the consumer to take it off the shelf and use it as if it were ‘plug and play’, ‘no assembly required’, ‘cash and carry’.

What can you do when natural market obstructions impede progress or stability?

Smart entrepreneurs and business owners look at the loan terms because they know initiatives are only half the battle.


The small business loans with the longest terms are distributed by big banks like Bank Of America, Chase, and TD Bank because aside from online invoicing, big banks are the only sources of massive loans as high as $5 million.

Loans from big banks, however, tend to be very generic in terms of structure, meaning they cannot be customized based on cashflow.

It also takes several months for big banks to approve and distribute loans, but many business owners do not seek other options since they already have a relationship with their bank.

Here are the terms of loans distributed by the three aforementioned banks:


SBA Loan: Up to 25 years

Secured Business Loans (Term Loan): Up to 5 years

Commercial Real Estate Loans: Up to 15 years

Business Line Of Credit: Revolving with annual renewal


SBA Loan: Up to 30 years

Term Loan: Up to 7 years

Commercial Real Estate Loans: 5-year term, up to 20-year amortization


SBA Loan: Up to 25 years

Term Loan: Up to 84 months

Commercial Real Estate: 10 year-term, up to 25-year amortization


Smart business owners find the options that work best for them and their business. You cannot and should not ‘accept’ on the basis of receiving funds because options do exist.

UCS started out as a small business, it can technically still be classified as a small business, with a goal to provide better financial products that make sense. Fast tracking does not mean predatory or loose loaning practices. In some cases accounts receivable through your existing POS is the asset base for the loan rendered.

Why worry about repayment when you have better things to do? Merchant cash advance payments are easy because they are deducted directly from your credit card sales. We have dissolved the anxiety of monthly payments into daily batches crossing off one more thing from your to-do list.

If we are going to talk about term loans let’s skip the 25 year anchor and come up with products more in-tune with business growth, like our 2-5 year loans.


United Capital Source is an online business finance company working with a network of partners to find the best market terms each and every day. Each situation is as unique as your own business challenges, however, the process is always easy.


Here is a simple break down of what United Capital Source requires broken out by various financial partnerships we offer.


If you are applying for a Merchant Cash Advance, you need business bank statements from the three most recent months. For the other four types of loans, business bank statements are required from the six most recent months.


This is a summary of your business’s monthly credit card transactions. It is only necessary if you are applying for a Merchant Cash Advance, which requires these statements from the three most recent months.

Business Tax Return

The applications for an SBA Loan and Term Loan requires three years of business tax returns. They are also required for Merchant Cash Advances or Business Loans of over $100,000.

Personal Tax Return

Two years of personal tax returns are needed if you are applying for an SBA Loan or Term Loan.

Personal Financial Statement

This an outline of the applicant’s current financial standing in regards to total assets and liabilities. The document usually includes account balances, retirement account balances, credit card balances and information on loans and mortgages. Compose a Personal Financial Statement if you are applying for a SBA Loan or Term Loan.

If you don’t think the terms from traditional banks will work for the unique circumstances of your small business, you’re probably right, and our team at United Capital Source is likely the lender for you. Our team can help customize terms for numerous types of business loans after speaking with you and learning what sort of payment system will be most positive to your business’s future. Call 855-933-8638 or visit the UCS website to apply for a completely customizable loan that can get to you as quickly as 24 hours.

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