Business Term Loans


A flexible way to finance major business expenditures  

Growing your business starts with having the right resources. Whether your business needs machinery to increase supply, vehicles to reach more customers, or any other major expenditure, BBVA is here to help with flexible long-term loans.


Secured and Unsecured Business Term Loans

Best for businesses that need a long-term lending solution for working capital or to purchase equipment.

Benefits Include:
  • Terms of up to five years (10 years for the healthcare industry)
  • Up to 100% financing for eligible loans
  • Secured Loans $5,000+
  • Unsecured Loans $10,000+
  • Competitive Low Fixed Rates
  • Principal and Interest Payments
  • Funds same day as closing

Letter of Credit

Best for businesses who use for international trade or need a secondary payment mechanism.

Benefits Include:

  • Amounts of $25,000+

Must be CD Secured with a term at least 30 days longer than the letter of credit


Frequently asked questions

What is a long-term loan?

A long term loan typically is a loan greater than 5 years. The longer the term, the lower the monthly payment.

Can I get a loan over 10 years?

10 year term loans or longer usually only apply to secured loans when Real Estate or other type of collateral is used that matches the life expectancy of the term loan.

Can you get a small business loans for an online business?

Yes we offer lending to our e-commerce customers.

What are the advantages of long-term business loan?

The longer the term, the lower the monthly payment.

What is letter of credit?

 A letter of credit is a document from a bank that guarantees that funds ​for a buyer​'s​ payment to a seller will be made, and in any event the buyer can't make the payment, the bank is required to cover the full remaining amount.

Is the letter of credit considered debt?

No. There is no actual debt but you must be credit-qualified in order to garner one.

Details you need to make a smart decision


All term loans subject to approval, including credit approval. Credit, collateral and underwriting standards apply. Customer pays origination fee. All rates and offers subject to change without notice. Please contact a BBVA banker for details.