• Long-Term Business Loans

    Realizing your investment goals requires more than just a quick fix; it demands a reliable financial partner who's in it for the long haul. Camino Financial offers long-term loans with repayment periods of 24 months, giving you more breathing room in your financial planning so you can focus on growth rather than debt. And thanks to our fixed, predictable payments, you're free to grow your business to its full potential.
    Businesswoman with phone and laptop researching business loans.
  • How Can Long-Term Loans Strengthen Your Business?

    A long-term loan can offer a solid foundation for growth and stability. Their interest rate payments are spread out over several years.


    This extended repayment period eases the pressure on your business's daily finances and allows for better cash flow management and financial planning.


    They can significantly promote business expansion by providing a stable and predictable source of funding that allows companies to plan and execute growth strategies with confidence.

  • Our Long Term Business Loans

    • Varied loan amounts

    • Fixed

      Interest rates

    • Repayment terms

  • Why You Should Apply with Us

    At Camino Financial, we understand that every business is unique. That's why we offer customized loan solutions. Whether you're planning a major purchase, investing in your future, or consolidating debt, our loans provide the stability and flexibility you need to move forward with confidence. With competitive interest rates, fixed repayment plans, and a hassle-free application process, we're committed to helping your business thrive.
    Smiling entrepreneur evaluating material samples on desk, considering options for business expansion.
  • Our Basic Business Loan Application Requirements

    Have an SSN

    Minimum credit score of 670

    Business in operation for a minimum of 12 months

    Annual sales above $30,000

    Current on outstanding credit obligations

    No filed tax liens, judgments, credit freezes, or bankruptcies in the past 24 months

    Must operate within permitted industries and states

  • Compare Loan Term Options

    Long-Term LoansShort-Term Loans
    Loan DurationTypically 2 or more years.Usually 1 year or less.
    Interest RatesRelatively lower, as the risk to the lender is spread over a longer period.Generally higher due to the short repayment period.
    PurposeIdeal for long-term investments, such as expanding operations, purchasing real estate, or significant equipment.Best for short-term cash flow issues or minor investments.
    FlexibilityGreater flexibility in terms of repayment and potential for refinancing. This can adapt more easily to a business's changing needs.Less flexible due to the quick repayment term. This can lead to a cycle of debt if not managed properly.
    Overall Cost of LoanLower monthly payments and potentially lower total interest cost over the life of the loan, making it economically advantageous long-term.Higher on a per-month basis, which can significantly impact short-term finances.
  • Benefits of Camino Financial’s Business Funding

    ● A fully online application process ● Fixed and competitive interest rates ● Guaranteed protection of your private data ● No penalties for early loan repayment ● A dedicated customer support team ● Transparent processing fees
    Two professionals warmly shaking hands in a meeting, signifying a successful funding partnership.
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  • Discover Camino Financial's Convenient Loan Management

    Get a visual overview of loan status. Track payment history and request more capital through your personalized member account portal.
  • How To Apply For Our Long-Term Loans

  • FAQs

    A loan is long-term if it has a repayment period longer than one year. The extended repayment period allows for smaller, more manageable monthly payments, although it often means paying more interest over the life of the loan compared to short-term loans.

    Yes. As a BBB-accredited business with an A+ rating and an average of 4.2 stars across more than 400  reviews prove it.

    Camino Financial uses the same technology that banks use to protect your private information.

    • Have a Social Security Number (ITIN is not accepted).

    • Business must have been operational for at least 12 months.

    • A credit score of 670 or higher is required.

    • Specialty Trade Contractors with a FICO score of 650 or above.

    • Must have annual sales exceeding $30,000

    • Must be up-to-date on all existing credit responsibilities.

    • No record of tax liens, judgments, credit .freezes, or bankruptcies in the last 24 months

    • Not operating in prohibited sectors.

    • No businesses that have secured an HCD loan within the previous 90 days.

    • Not located in HI, NJ, PR, MI, NV, or the Caribbean Islands.

    No, you need to be a United States citizen with an SSN to qualify for a business loan through Camino Financial.

    No, we cater our business loans to businesses that have established credit history.

    No, we don’t require any type of collateral, only a UCC lien.

  • Keep Reading

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  • Camino Financial does not extend small business loans to businesses operating within these industries: Transportation, Warehousing, Real estate, Financial investing or processing, Cannabis industries, Adult entertainment, Car dealerships, Credit unions, and other sectors Specialty Trade Contractors require a FICO score of 650 or above. No businesses that have secured an HCD loan within the previous 90 days. Not located in HI, MI, NV, NJ, PR, MA, NY, ND, OH, PA, or TN; plus IN, NE, or WV for Sole Props.

  • Stay connected

    Join a community of over 40,000 micro-entrepreneurs for access to informative resources, helpful tips, and best practices on growing your business

  • Mission-driven company

    Camino Financial is a nationally certified Community Development Financial Institution (CDFI) with oversight by the U.S. Department of Treasury. By partnering with other mission-aligned organizations, Camino Financial is able to pool and distribute low-cost funding and educational resources to underbanked minority-owned businesses. Camino Financial is headquartered in Los Angeles, California with supporting offices in Mexico City, Mexico.

© 2024 by Camino Financial, Inc. All Rights Reserved. Camino Financial is a Licensed Finance Lender & Broker in California under its subsidiary Salas & Company LLC.
Camino Financial Better Business Bureau A+ accredited businessCloudflare
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11501 Sunset Hills Rd, Reston, VA 20190 | info@caminofinancial.com| Tel (800) 852-0655

NMLS License: Salas & Company LLC #2186459 | CFL License: Salas & Company LLC (DBA Camino Financial) #60DBO-43053

CDFI Certification Number: 181CE054231