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Small Business Term Loans

Fixed-rate funding without pledging collateral

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Loan Rates

Financing For Your Business

Get fixed-rate funding for your business without putting up collateral. Your rate and your payment stay the same for the life of the loan, so you know what the cost is before you commit to it.

  • Fixed rate for the full term
  • No collateral required
  • Loan amounts from $500 to $49,000
  • Terms up to 84 months
  • The same payment every month, start to finish

Use it for working capital, equipment, operating expenses, or other approved business purposes.

If you would like to apply for a Small Business Term Loan, you can apply online below, visit a branch, or give us a call.

Apply Online

Frequently Asked Questions

  • Fixed-rate financing for eligible business members who need funding without pledging collateral. You repay it over a set term in equal monthly payments.

  • Working capital, equipment purchases, operating expenses, and other approved business purposes.

  • Eligible Rivermark business members, including approved sole proprietorships, partnerships, corporations, LLCs, and other qualifying entities.

  • Yes. Rivermark business membership must be established before the loan is finalized.

  • Loan amounts range from $500 to $49,000, subject to credit approval and aggregate limits.

  • Your Small Business balances are added together across term loans and revolving lines of credit, including a Small Business credit card. The combined total cannot exceed $49,000.

  • Terms up to 84 months, depending on the loan amount and your qualifications.

  • No. This loan is unsecured, so you are not pledging business or personal property against it.

  • Business and ownership information, along with details about how much you want to borrow and what you plan to use it for.

  • A Rivermark team member can help you review your options before you apply.

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**APR = Annual Percentage Rate.

All loans are subject to credit qualification, underwriting approval, and documentation requirements. Rivermark business membership is required. Small Business loan amounts are aggregated across term loans and revolving lines of credit, including business credit cards, and may not exceed $49,000 in total. Loan amounts from $500 to $49,000. Terms up to 84 months. Rates and terms offered are effective as of August 25, 2026 and are subject to change without notice.