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Small-business term loans · $10k to $500k

Funded in 24 hours.
Priced in plain sight.

Most lenders show you a payment and hope you don't do the math. We do the math for you: the honest APR, the origination fee, and the total dollar cost of the loan, before we ask for so much as your email.

  • Checking your rate is a soft pull, so your score is not affected
  • Fixed monthly payments by ACH, never daily or weekly debits
  • No prepayment penalty: pay early, keep the interest you save
Check your rate See the full rate table

See your numbers first

No email, no phone number, no credit pull. Just the honest math.

$75,000

$10,000 $500,000

Estimated monthly payment

$3,651–$3,869

Honest APR range
15.4%–21.4%
Total cost of borrowing
$14,868–$20,098
Check your real rate (soft pull only)

Includes interest plus the one-time 3% origination fee, the only fee on a loan paid on time (late payments cost $25 after a 10-day grace period). Figures are illustrative; your rate is confirmed within your band after review. See the full rate table

$212M

funded since 2019

9,400+

small businesses served

24 hrs

fastest application-to-funding

$0

prepayment penalties, ever

The transparency promise

You see the whole cost before we see your signature

Every offer we send carries the same one-page disclosure. It's the honest way to compare us against anyone, including your bank.

  • A true APR, never a factor rate

    Factor rates like “1.24” hide the real cost of short terms. We quote the number every other loan in your life is quoted in.

  • The total dollar cost, up front

    Interest plus our one 3% origination fee, added up and printed next to the payment, with a cents-per-dollar figure.

  • Seven days to decide

    Offers don't expire at midnight and there is no “today-only rate.” Take it to your accountant. We'll wait.

What every offer shows

Example

Loan amount
$50,000 over 18 months
Monthly payment
$3,110–$3,253
APR
14.6%–20.6%
Origination fee (3%, one-time)
$1,500
Late fee (after a 10-day grace period)
$25
Total cost of borrowing
$7,477–$10,047
Cost per $1 borrowed
15¢–20¢

Illustrative example: a Strong-profile business borrowing $50,000 over 18 months. Representative example: at 17.6% APR, 18 payments of $3,181, total interest $7,254, plus the $1,500 fee: total cost $8,754, total repaid $57,254. Your figures depend on your band, and the whole table is public.

One loan, six common jobs

What owners borrow for

Compare all loans

How it works

Three steps, honestly timed

The full play-by-play
  1. About 12 minutes

    Apply online

    Tell us about your business, connect or upload three months of bank statements, and check your rate with a soft credit pull. A soft pull does not affect your score.

  2. Within 1 business day

    Human review & your offer

    A Crescent underwriter (a person, not just a model) reviews your cash flow and sends a full offer: APR, monthly payment, origination fee and total cost of borrowing, all on one page.

  3. As fast as 24 hours

    Accept & get funded

    E-sign your agreement and we send funds by ACH to your business account. Sign before 12 pm MT and most businesses see the money the next morning.

A Crescent Loans funding advisor shaking hands with two small-business owners across a desk, loan documents in hand

Underwriting with a pulse

A person reads your file, and answers your phone call

Our model does the first pass in seconds; a human underwriter makes the call. That's why a slow February with a good explanation doesn't sink your application. It's also why, if we decline, you get the actual reason and what would change our answer.

After funding it stays human: one fixed ACH payment a month, a payoff amount you can see any day, and a direct line when something changes in your business.

See what we look at

An honest note

Borrowing isn't right for every situation

A loan earns its keep when it funds something that returns more than its total cost: equipment that works, inventory that turns, a location with a signed lease. It rarely helps to borrow against ongoing losses, and our underwriters will say no when a payment would strain your cash flow, even when we could technically approve it. Run the numbers first; we've made that easy.

Run your numbers When a loan helps, and when it doesn't

Borrower stories

The reviews we're proudest of mention the fine print

Two smiling small-business owners holding up the keys to their newly leased second location
“The offer letter showed the total dollar cost right under the payment. No factor-rate riddles, no 'call us to discuss.' We signed on a Tuesday and paid the deposit on our second location Wednesday afternoon.”

Elena & Marcus Reyes

Larkspur Bakehouse · Fort Collins, CO

$120,000 · 36 months · expansion

“I've had lenders quote me a '1.24 factor' and let me do the math wrong. Crescent quoted an APR and a cents-per-dollar figure. It was more expensive than my bank, and they said so. But the bank needed six weeks and my compressor didn't have six weeks.”

Darnell Whitfield

Whitfield Heating & Air · Aurora, CO

$45,000 · 18 months · equipment

“When a slow February put my payment at risk, I called expecting a script. I got a human who moved my due date twelve days, once, no fee. That's the whole reason they get my renewal business.”

Priya Raman

Juniper & Thread Boutique · Boulder, CO

$60,000 · 24 months · inventory

Sample reviews written for this design demo. They are not from real borrowers.

Read all borrower reviews

Ready when you are

Twelve minutes to apply. One business day to an honest answer.

Soft pull only. No application fee. And if the answer is no, you'll know why, and what would turn it into a yes.

Check your rate Read the hard questions first
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