Small-business term loans · $10k–$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 — zero impact on your score
- Fixed monthly payments by ACH — never daily or weekly debits
- No prepayment penalty: pay early, keep the interest you save
See your numbers first
No email, no phone number, no credit pull — just the honest math.
$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
Includes interest plus the one-time 3% origination fee — the only fees on the loan. 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 — the honest way to compare us against anyone, including your bank.
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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.
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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.
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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%, the only fee)
- $1,500
- 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. Your figures depend on your band — the whole table is public.
How it works
Three steps, honestly timed
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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 — no impact to your score.
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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.
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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.
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 — and 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 atAn 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.
Borrower stories
The reviews we're proudest of mention the fine print
“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
Fictional reviews written for this design sample.
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.