Business Term Loans up to $2,000,000
Business loans and term financing from $10K to $2M. Fixed-rate capital with predictable monthly payments. Larger structured facilities reviewed case by case.
Start an applicationVoxen Capital structures business loans and term financing from $10K to $2M for Canadian SMBs. Term loans deliver a lump sum upfront repaid in fixed monthly installments — best for known investments with a clear ROI window. Larger structured facilities are reviewed case by case.
What is a business term loan?
A business term loan is a lump sum of capital repaid in fixed installments over a set period — terms typically run up to 5–7 years, with longer amortizations available on select structured files. The full amount is disbursed upfront, making term loans ideal for one-time investments where the cost and timeline are known.
At Voxen Capital, we structure and place business loans and term financing from $10,000 to $2,000,000 for Canadian businesses across every industry. Larger structured facilities are reviewed case by case. We work with 20+ lending partners and negotiate terms based on your full business profile — not just a credit score.
Most clients receive a structured offer within 24–48 hours and funding usually within 1–3 business days. There are no application fees, no upfront costs, and no obligation to accept.
Best for these business situations
- Equipment purchases or fleet expansion
- Renovations, build-outs, or new locations
- Inventory buildup ahead of peak season
- Refinancing higher-cost debt or merchant cash advances
- Acquiring a competitor or buying out a partner
- Marketing campaigns with a clear ROI window
- Hiring and payroll runway during a growth phase
- Tax payments, CRA settlements, or working capital gaps
Less suited to
- Recurring or unpredictable working-capital needs (a line of credit fits better)
- Businesses needing same-day funding without basic underwriting
- Pre-revenue startups without business bank statements
- Owners seeking guaranteed approval or fixed public rates
How it works
- Apply in minutes — Complete a 6-step online application. Upload 3 months of bank statements and basic business info. No credit pull at this stage.
- Structured offer in 24–48h — Our advisors review your file, structure your deal across our lender network, and present you with optimized terms.
- Funded in 1–3 business days — Sign electronically, complete final verification, and receive funds directly to your business account. Full transparency on rate, fees, and total cost.
Term loan structure
| Loan Amount | $10,000 – $2,000,000 |
|---|---|
| Term Length | Typically up to 5–7 years; longer on select structured files |
| Interest Rate | From 8.99% APR |
| Repayment | Fixed monthly installments |
| Time to Funding | 24–48h approval, 1–3 business days to fund |
| Application Fee | $0 — no upfront cost |
| Prepayment | Allowed, often with discount |
| Collateral | Often unsecured under $250K |
At a glance
| Funding Range | $10K–$2M |
|---|---|
| Approval | 24–48h decision |
| Terms | Up to 5–7 yr |
Frequently asked questions
How much can I borrow with a Voxen term loan?
Voxen Capital structures business loans and term financing from $10,000 to $2,000,000 for Canadian businesses. Larger structured facilities are reviewed case by case. The amount you qualify for depends on monthly revenue, time in business, cash flow consistency, and industry.
What are the typical interest rates on a business term loan?
Rates start at 8.99% APR for established businesses with strong cash flow and scale up based on risk profile, industry, and term length. Because we work with 20+ lending partners and structure your file before placing it, our clients consistently receive better rates than applying directly to a single lender or bank.
How long is the term?
Terms are typically up to 5–7 years, with longer amortizations available on select structured files. Shorter terms (12–36 months) are common for working-capital purposes.
How fast can I get funded?
Most term loan applications receive a decision within 24–48 hours. Funding typically lands in your business account within 1 to 3 business days after acceptance.
Do I need collateral or a personal guarantee?
Most term loans under $250,000 are unsecured. Loans above that threshold may require collateral (equipment, receivables, or real estate) depending on the lender and structure. A personal guarantee is standard for SMB lending in Canada.
Will applying affect my credit score?
No. Submitting an application to Voxen does not trigger a hard credit pull. We perform a soft inquiry during initial review. A hard pull only happens if you accept an offer and move forward to final underwriting.
What documents do I need to apply?
The base requirements are: 3 months of business bank statements, a valid government-issued ID, and basic business information (legal name, address, industry, time in business). Larger loan amounts may require additional documents.
Can I qualify with bad credit or past defaults?
Yes. Voxen works with businesses across the full credit spectrum. Our advisory team structures deals based on cash flow and business performance — not just a credit score.
How is a term loan different from a line of credit?
A term loan is a one-time lump sum repaid on a fixed schedule — best for known, one-off investments. A line of credit is revolving capital you draw on as needed — best for ongoing working capital.