FDIC Bank Term Loans & Lines of Credit Program
THANK YOU FOR YOUR INTEREST IN OUR 10-YEAR FDIC INSURED BANK TERM LOAN FOR YOUR BUSINESS.
We Really Give Our Clients What They Really Want…A Monthly Pay, 10-Year, FDIC-Insured Bank Term Loan!!!
This program is tailor-made for borrowers who can no longer refinance through SBA channels and need a streamlined process with minimal red tape. Most business types nationwide are eligible, with simple requirements.
The FDIC 10-year Insured Bank Term Loan is a true game-changer for businesses looking to refinance (MCAs) Merchant Cash Advances and/or secure new working capital.
Why Does This Matter?
With the Small Business Administration no longer supporting MCA refinancing, there’s almost nowhere else for small to mid- size business owners to turn.
That’s why having access to this 10-Year, FDIC-Insured Bank Term Loan is absolutely essential!
PROGRAM: Rates range from 13% – 22% APR
No Upfront Fees
Affordable Fixed Monthly Payments
Pre-Approval in 48 hours or less without impacting credit
Light documentation
Funds in just 2-3 weeks
Not an SBA loan or MCA
Perfect for refinancing MCAs
One-time success fee after successful closing
There are many benefits to a 10-year year FDIC Insured Term Loan.
Particularly for businesses looking to refinance (MCAs) Merchant Cash Advances or to secure new working capital.
These loans offer a streamlined process with minimal red tape, making them an attractive option for eligible businesses.
Some Key benefits include: Light documentation: Just recent bank statements, tax returns, and debt schedule are required.
Quick funding: Loans close in just 2-3 weeks.
Flexible terms: True 10-year loan terms with monthly repayments.
Competitive rates: Fixed interest rates similar to business credit cards.
No prepayment penalties: Unlike traditional loans, there are no penalties for prepayment.
Improved cash flow: Average monthly payment drops by 60%-85%, dramatically improving cash flow and providing immediate financial relief.
No hard collateral: Unlike traditional loans, there is no hard collateral required.
A 10-year FDIC Insured Term Loan provides a combination of long term capital, predictable payments, and on certain products the backing of Federal Regulation.
Theses loans are commonly used for business expansion, equipment purchases, or business debt consolidation.
Long Term Financing that provides stability by spreading out repayment resulting in lower and more manageable payments when in comparison to a shorter term loan.
A 10-year FDIC Insured Term Loan provides Lower Interest Rates rather than the alternatives such as MCA “ Merchant Cash Advances ” because of stricter eligibility requirements which results in the reduction of the total cost of borrowing funds over time.
A business can simplify budgeting and financial planning by having a fixed rate term of the loan and a set schedule with regular payments.
A business can improve its Cash Flow due to lower monthly payments preserving funds for other operational needs of the business.
A 10 year term loan can improve and build the credit score of a business through the responsible repayment of the loan.
By being backed by the United States Government through the FDIC business owners have peace of mind also knowing these types of commercial loans are strictly regulated thus ensuring very fair and competitive terms.
It is important to note that the FDIC insurance does not protect the loan itself in the way that it protects a bank deposit.
Instead, the ‘FDIC insured status” means the lending institution is a member of the FDIC, ensuring that if the bank fails your deposit (up to $250,000.00) is kept safe yet for a loan it means the debt would be transferred to a new servicer of the loan if the lending institution closes.
A 10-year FDIC Insured Term Loan is suitable for the large scale capital needs of a business such as purchasing heavy equipment, real estate renovations, or business acquisitions.
10-year FDIC Insured Term Loans are frequently used to refinance high interest short term debt into a single more manageable long term obligation.
Fast – Loans close quickly – in just 2-3 weeks.
Light documentation: just recent bank statements, tax returns, and debt schedule.
Not an SBA or MCA product, but a flexible, conventional business loan with low rates, affordable monthly payments, and no prepayment penalty.
Financing amounts from $25,000.00 to $350,000.00 (higher available).
True 10-year loan terms with monthly repayments.
Competitive fixed interest rates (13% – 22%, similar to business credit cards) and no hard collateral.
For MCA refinance clients: average monthly payment drops by 60% – 85% dramatically improving cash flow and providing immediate financial relief. ________________________________________________________________________________
Requirements To Apply: FICO: 640 minimum credit score requirement
Funding: Up to $350,000.00
Time in Business: 1 year minimum
Annual Revenues: $100k minimum and positive net income required
Industries: All Good EXCEPT: No Transportation/Logistics & No Cannabis Related Business
Ownership: 51% owner must be U.S. Citizen or legal permanent resident
Available in all 50 states
Client Benefits:
Lower debt payments in days, w/o any new loans
90% of applicants accepted into the Program
Attorney-led debt restructuring teams, with decades of experience, will renegotiate you the clients’ existing creditor notes
No collateral required
No negative impact to personal or business credit, in many scenarios
No upfront out-of-pocket fees
Quick and easy application process
Customized offer/term sheet/closing call within 24 hours
*Remember 90% of applicants are approved for the Program
Call Us Now, Today! Toll-Free 800-413-5167 Ext. 9
Our Certified Brokers Are Waiting To Help You.
Email: contact@secafunding.com