Overview
Capital structured to match how you'll use it
A traditional term loan funds in one lump sum with a fixed repayment schedule — straightforward capital for a defined purpose. A draw-to-term loan gives you a commitment you can pull from in stages, only paying interest on what you've actually drawn, then converting to term repayment once the draw period ends.
Both are underwritten primarily on cash flow rather than collateral, which means the strength of your financials and your story matters more than what you can pledge. We'll help you figure out which structure — and which lender's cost of capital — actually fits your plan.
Ideal for
- Funding expansion into a new location or market
- Buying out a partner or recapitalizing ownership
- Phased capital needs over 12–24 months (draw-to-term)
- General working capital for an established, cash-flowing business
- Consolidating higher-cost existing business debt
At a Glance
Typical deal parameters
General ranges — actual structure depends on cash flow strength and use of funds.
Strongest candidates show positive net income in at least two of the last three years — we'll help you present your financials to reflect it clearly.
Why LendHaven
We read a P&L the way an underwriter does
Bruce spent 20 years analyzing financial statements and cash flow to structure bankable term debt. We know how to position your numbers, add back the right expenses, and match you to lenders whose cost of capital fits your margins.