Medium-Term Loan

For those business owners who do not want short-term or excessively long-term funding, Accel Capital offers the option of medium-term loans to applicants. It provides a happy medium between both products.


A medium-term loan is a loan with a payback period up to 5 years. Rates vary but are determinate upon your credit score. Terms range anywhere from 1-5 years with funding amounts up to $5,000,000. A personal guarantee is requiring when obtaining a medium-term loan. Although it is not always required, most of the time some type of collateral is indeed required. Accel Capital offers this option to business owners who need a longer term for financing.

If you are looking to receive a medium-term loan, make sure you have a strong credit history. Although this isn’t the only determining factor in qualifying you for a medium-term loan, it is absolutely a strong influence. Limited documentation is needed when applying for a medium-term loan and time to funding is between 1-2 weeks. Payments are made either bi-weekly or monthly, depending on the business profile.


Like all our products, medium-term loans can be used for a variety of goals. The term length and payback frequency offers a lot of flexibility in the use of the funds. Whether you are trying to expand your business or just purchase inventory, your options for the use of the funds are endless. Most business owners use the funds to expand or simply have extra cash flow, that you will not have to worry about paying back daily. The flexibility of this product offers multiple funding solutions for your business.

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  •    Multiple uses for funds
  •    Terms up to 5 years
  •    No prepayment penalty
  •    Low rates


  •    Time in business must be at least 2 years
  •    Requires a personal guarantee