Most owners ask about the rate.
The better question is the payment.
Because $350,000 paid back over 3 years feels very different from $350,000 paid back over 10 years…even if the rate is the same.
Three years = bigger monthly payments.
Bigger payments = less cash left over each month.
Less cash = tighter payroll, tighter inventory, tighter everything.
Now compare that to 10 years.
The payment drops.
Cash flow has room to breathe.
You can still hire. Still market. Still grow.
The loan SUPPORTS the business instead of competing with it.
That’s why we structure term loans up to $500K with monthly payments over 10 years. Not because it sounds impressive. Because it works.
If you’re thinking about expanding, consolidating short-term debt, or cleaning things up, don’t just ask what the rate is. Ask what the payment does to your business.
Book 15 minutes. We’ll run it together.
Talk soon,
-Matt & Luigi
Stay connected with Credit Banc—your go-to source for working capital solutions. Follow us for expert insights, funding options, and tips to keep your small business moving forward. 🚀