Term Loans

Fuel Growth with Long-Term Capital You Can Count On

Icarus Fund offers flexible term loans with transparent terms, fast decisions, and real support—no guesswork, no red tape.

Our Impact

We fund businesses that are ready to grow. With over $900M funded across 1,000+ companies, Icarus Fund delivers fast, flexible capital to help you seize opportunities and keep moving forward.

$900M+Funded
81Industries Served
1,000+Businesses Funded

Term Loans

Long-term capital structured around how your business actually grows.

Why choose a term loan from Icarus Fund?

Time is money and flexibility is power. Icarus Fund term loans are structured around your business, not rigid underwriting checklists, with repayment terms aligned to revenue cycles and growth plans.

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Fixed Monthly Payments

Clear amortization gives you predictable monthly payments and fewer surprises.

Quick Approval

Decisions can happen in as little as 24 hours when timing matters.

Tailored Terms

Structures can fit different industries, credit profiles, revenue cycles, and growth plans.

Flexible Use of Funds

Use capital for expansion, payroll, refinancing, equipment, inventory, or operating needs.

Capital for opportunities, timing gaps, and durable growth.

Whether you are seizing an opportunity or solving a short-term need, a business term loan can provide predictable capital without forcing you into equity dilution or reactive financing.

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What You Can Use a Business Term Loan For

Common uses include expansion, refinancing, timing gaps, and infrastructure.

  • Fund business expansion or new locations
  • Refinance merchant cash advances or high-cost debt
  • Bridge contract delays or seasonal cash flow dips
  • Cover equipment upgrades or large vendor payments
  • Build internal infrastructure after winning government contracts

Who We Work With

Icarus Fund supports small and mid-sized businesses that need speed and certainty.

  • Government contractors & vendors
  • Manufacturers & distributors
  • Logistics & transportation companies
  • Staffing agencies, including healthcare staffing
  • Commercial real estate-backed businesses

3-Step Breakdown

Our process.

01

Apply in Minutes

Fill out a short form without lengthy paperwork or bank statements upfront.

02

Get a Decision Fast

Most approvals happen within 24-72 hours, with clear terms tailored to your business.

03

Receive Funds

Funds can hit your business account as soon as the next day, depending on structure.

Benefits

Benefits of an Icarus Fund term loan.

Predictable capital without slowing down the business.

Check eligibility without hard credit pulls, access capital quickly if approved, and build a stronger credit history through timely payments reported to business credit bureaus.

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No Impact on Credit Score

Determine your eligibility without any effect on your credit score.

Quick Access to Funds

Get approved quickly and receive funds when your business needs capital.

Enhance Business Credit

Timely payments can help build a stronger business credit history.

Transparent Terms

Clear, fair terms help you know exactly what you are getting into.

Flexible Funds

Flexible funds to fit your needs.

Once approved, you can put capital to work where it creates the most impact, from stabilizing cash flow and refinancing debt to investing in equipment, inventory, or expansion.

Let's Work Together

Offset costs during the busy season

Purchase more inventory

Cover your business payroll

Finance new growth and expansion

FAQs

Frequently asked questions

How much can I borrow with a term loan?

Icarus Fund business term loans range from $250,000 to over $10 million, depending on revenue, industry, and overall financial profile.

How long are the repayment terms?

Term loans offer flexible repayment periods from 12 to 60 months, with fixed monthly payments designed to align with business cash flow.

How fast can I get funded?

Once approved, many clients receive funds in as little as 24 to 72 hours, depending on loan structure and documentation.

Can I use a term loan to refinance other debt?

Yes. Many businesses use term loans to refinance merchant cash advances or high-interest short-term loans into one manageable monthly payment.

Is there a prepayment penalty?

Most term loans come with no prepayment penalties, so you can pay early without extra fees if your business is ahead of schedule.

Do I need perfect credit to qualify?

No. Credit is reviewed, but the overall health of the business, including revenue, contracts, and growth potential, matters more.