Overview
Certainty for clearly defined projects
Kairos Equities helps you size the loan correctly, structure the term to match the useful life of what you are funding, and present your business to lenders in the strongest possible light. The goal is financing that supports growth without straining cash flow.
Common uses
Expansion projectsNew location build outInventory scalingMarketing and hiringRefinancingOne time investments
Process
How it works
Define the need
We clarify the project and the amount that actually moves the needle.
Structure
We match the term and payment to your cash flow and the life of the asset.
Present
We package your financials and place the request with suitable lenders.
Fund
You receive the capital and repay on a clear, predictable schedule.
What to expect
Structure and terms
| Structure | Lump sum disbursed at closing |
|---|---|
| Funding range | Typically tens of thousands to several million, depending on profile |
| Typical terms | One to ten years based on use of funds and lender |
| Repayment | Fixed, predictable installments |
| Rates | Competitive and market based, varying by lender and borrower profile |
Figures shown are illustrative and for general information only. Final amounts, rates, and terms are determined by third party lenders based on your specific situation.
Qualification
Do you qualify?
Term loan approvals look closely at history and cash flow. Strong files tend to show the following.
- An established operating history
- Consistent revenue and cash flow
- Reasonable owner credit
- A clear, plannable use of funds
- Documentation that supports the request
Questions
Frequently asked questions
How is a term loan different from a line of credit?
A term loan gives you the full amount up front with a fixed payoff schedule, while a line of credit lets you draw and repay repeatedly up to a limit. Term loans suit one time projects, lines suit ongoing or variable needs.
Does Kairos Equities fund the loan directly?
No. We are an advisory and brokerage firm, not a direct lender. We prepare your request and connect you with third party lenders that fit your situation.
How quickly can a term loan close?
It depends on the lender, the amount, and how complete your documentation is. Many requests move within a few weeks once we have a full file.
Can I use a term loan to refinance existing debt?
Often yes. Refinancing higher cost debt into a single, predictable payment is a common use. We help you confirm whether it makes sense for your situation.
Explore commercial term loans
Tell us about your business and goals, and we will help you find and secure the right financing.