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.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.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 Loans Short-Term Loans Loan Duration Typically 2 or more years. Usually 1 year or less. Interest Rates Relatively lower, as the risk to the lender is spread over a longer period. Generally higher due to the short repayment period. Purpose Ideal for long-term investments, such as expanding operations, purchasing real estate, or significant equipment. Best for short-term cash flow issues or minor investments. Flexibility Greater 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 Loan Lower 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 feesRead What Our Customers Think
Join 9,000+ people choosing Camino Financial
Anthony Williams
“This was the best loan application experience ever. Other financial institutions need to take a look at how Camino delivers and operates...”Bernie Bravo
“...Camino Financial was great to work with and I love how they determined the loan amount based on my personal guarantee.”Rubert Velasquez
“...Camino is the best I’ve encountered so far. They’re always there to help and really make things happen in a professional, timely manner. Thanks Yvette!”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.
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.
