You’ll receive a lump-sum payout within 24 to 48 hours. Spend it at your own pace, as you need it.
- +1 (480) 788-2410
- info@cosmiccapital.co
- 420 W. Mahoney Ave, Arizona
We understand you don’t have time for endless paperwork or long waits. Our streamlined process minimizes documentation and cuts decision times from months to days.
You can use the funds however your business needs—whether you’re opening a new restaurant location or staffing up for a major construction contract. With flexible loan amounts and terms, we tailor financing to fit your goals.
See use cases of how businesses scale confidently with us.
Protect and grow your brand’s competitive advantage.
Act quickly on new market opportunities.
Compensate for slower startup or seasonal sales.
Upgrade your space, boost satisfaction.
Keep the conversation going with customers and prospects.
Buffer your operation from supply-chain issues.
Submit the easy online application and within minutes, a Capital Specialist will call to discuss your funding request.
You’ll receive a lump-sum payout within 24 to 48 hours. Spend it at your own pace, as you need it.
Book a free consultation with one of our Business Finance Strategists and get the clarity, strategy, and support you need to secure funding and move forward.
OR CALL NOW!
(480) 788-2410
There are three main types of term loans: short-term, medium-term, and long-term. Short-term loans last up to 12 months, medium-term loans range from 1 to 3 years, and long-term loans span from 3 to 25 years.
A term loan is defined by a set repayment period, with either a fixed or variable interest rate. Unlike open lines of credit, term loans are one-time lump sums structured to be repaid over a specific timeframe.
Mortgages are a common example of a term loan, typically repaid over 20 or 30 years with either a fixed or variable interest rate.
Term loans can benefit any business, but they're especially valuable for those investing in specialized equipment, permanent locations, or launching a new venture.
Cosmic Capital provides a free, no-obligation quote on term loans. Apply today to see if your business qualifies.
Repayment usually begins the month after the loan is issued, unless your agreement states otherwise. With a fixed interest rate, you'll make consistent monthly payments until the loan is fully repaid; variable rates may cause payment amounts to fluctuate.
At the end of a term loan, the remaining balance must be fully repaid. Once paid off, your obligations under the loan agreement end.