Business Loan
No matter the size of your business, Quantum Bank Business Loans provide flexible financing solutions to help you grow, expand, or manage cash flow. With competitive rates, customized repayment plans, and fast approvals, our business loan options support everything from startup costs to large-scale investments.
Rates
🏢 A straightforward loan for business expansion and operational growth.
- Best for: Startups and small businesses needing capital for equipment, hiring, or marketing.
- Loan Terms: 12 - 60 months.
- Loan Amount: $10,000 - $500,000.
- Extras:
- Fast approval process with funding in as little as 48 hours.
- No collateral required for loans under $100,000.
- Tax-deductible interest (consult your accountant).
| APR: | 6.75% |
| Interest Rate: | 5.5 |
🏛️ Government-backed loans with low rates for small business growth.
- Best for: Businesses that need long-term, affordable financing with lower down payments.
- Loan Terms: Up to 25 years.
- Interest Rate: As low as 5.00% APR (fixed).
- Loan Amount: $50,000 - $5,000,000.
- Extras:
- Lower down payment requirements than traditional loans.
- Government-backed security means easier approval for small businesses.
- Funding available for equipment, real estate, or working capital.
| APR: | 5% |
| Interest Rate: | 4 |
🔄 Flexible financing for everyday expenses and working capital.
- Best for: Businesses that need on-demand cash flow for inventory, payroll, or unexpected expenses.
- Loan Terms: Revolving credit line with renewable limits.
- Interest Rate: Prime + 2% (variable based on creditworthiness).
- Credit Limit: $25,000 - $1,000,000.
- Extras:
- Only pay interest on what you use.
- Access funds instantly via business checking account transfers.
- Renewable credit limit—repay and borrow again.
| APR: | 3.99% |
| Interest Rate: | 2 |
Testimonials
Emelia R.
Boutique Owner
We needed capital to launch our second location, and Quantum Bank’s Small Business Loan gave us the funds we needed quickly!
JC Mahone
Restaurant Franchise Owner
Having a business line of credit gives us peace of mind. We can cover payroll or inventory gaps without taking out a full loan.
FAQs
Business Loan
Quantum Bank provides a variety of business financing options, including:
- Small Business Term Loans – Fixed-rate loans for expansion, equipment, or working capital.
- Business Lines of Credit – Flexible, revolving credit for ongoing business needs.
- Commercial Real Estate Loans – Financing for purchasing, refinancing, or renovating business properties.
- SBA Loans – Government-backed loans with favorable terms for small businesses.
- Equipment Financing – Loans designed for purchasing or leasing business equipment.
Loan approval times vary based on loan type and complexity:
- Small Business Term Loans & Equipment Financing: 2-5 business days
- Business Lines of Credit: 3-7 business days
- Commercial Real Estate & SBA Loans: 2-6 weeks (due to documentation requirements)
Quantum Bank offers expedited processing for pre-qualified applicants.
Approval depends on factors such as:
- Your business’s credit score and financial history
- Annual revenue and cash flow
- Time in business (typically at least 2 years, but exceptions may apply)
- Collateral requirements (for certain loan types)
Quantum Bank offers loan options for startups, established businesses, and companies with varying financial profiles.
To apply for a business loan, you’ll typically need:
- Business tax returns (last 2-3 years)
- Personal and business financial statements
- Business plan or loan purpose statement
- Proof of revenue (such as bank statements or profit & loss statements)
- Legal documents (business licenses, articles of incorporation, etc.)
The loan purpose depends on the type of financing:
- Business term loans and SBA loans can be used for expansion, hiring, inventory, or working capital.
- Lines of credit provide flexible financing for day-to-day expenses.
- Commercial real estate loans are for property-related investments.
- Equipment financing is specifically for purchasing or upgrading business equipment.
Our loan specialists can help you choose the best financing option for your needs.
Disclosures
Loan Approval & Creditworthiness – All business loans are subject to credit approval, financial review, and underwriting guidelines. Loan terms, interest rates, and approval decisions are based on the applicant’s business and personal credit history, revenue, and financial health.
Interest Rates & Fees – Interest rates are determined by creditworthiness, loan type, and market conditions. Additional fees may apply, including origination fees, late payment fees, and prepayment penalties, depending on the loan agreement.
Collateral Requirements – Certain business loans, including commercial real estate and equipment financing, may require collateral such as property, equipment, or business assets. Unsecured loans may have higher interest rates due to increased risk.
SBA Loan Eligibility & Processing Time – Small Business Administration (SBA) loans are government-backed and have specific eligibility requirements. Approval times may take longer due to additional documentation and SBA processing guidelines.
Loan Use Restrictions – Business loans must be used solely for business purposes as stated in the loan agreement. Misuse of funds, including personal expenses, speculative investments, or non-business-related activities, may result in loan default or legal consequences.