Can I get a Term loan in Maryland?

Yes — Inflection Financing originates Term Loans for businesses headquartered or operating in Maryland. Term amounts range $50,000 – $5,000,000 with funding in 3 – 10 business days.

What Maryland industries qualify for Term?

Term financing is industry-agnostic in Maryland. The most common Maryland applicants are in professional-services, healthcare, construction, but any creditworthy operating business in the state can apply.

Does Inflection Financing have an office in Maryland?

Inflection Financing is a digital-first national lender — the local SBA District Office for Maryland is Baltimore. Our underwriting team handles Maryland applications remotely with funding wired directly to the borrower's bank.

Term · Direct from Inflection Financing

Term Loans

Name: Term Loans
Brand: Inflection Financing

Strategic capital that scales with your P&L — not your daily sales volume.

Apply for Term Calculate Payment

$5,000,000

Amount

1 – 7 years

Term

8.5%

Rate

3 – 10 business days

Funding

What is it

An Inflection Financing term loan replaces a daily merchant cash advance or a short-term cash flow line with a fixed, monthly amortization tied to your P&L. The result: predictable debt service that scales with revenue, not with daily card volume — and a meaningful reduction in true cost of capital.

Term loans are the workhorse of strategic business capital. Inflection Financing term facilities range from $50,000 to $5,000,000, amortize over 1 to 7 years, and price between 8.5% and 16% depending on credit profile, collateral, and term. Unlike merchant cash advances, where the lender takes a fixed daily percentage of card receipts, a term loan has a single monthly payment — making it materially easier to plan around, and typically 30% to 60% cheaper on an APR basis.

Best For

→Predictable capex and expansion projects
→Refinancing higher-cost MCAs and short-term debt
→Marketing and growth capital
→Locations 2 through N

Common Uses

→Multi-unit expansion capital
→Marketing and customer acquisition
→Refinance of merchant cash advances
→Inventory build for new product launches
→Build-out and leasehold improvements

Eligibility

→$250K+ annual revenue
→12+ months operating history
→Personal credit 660+
→DSCR 1.20x or higher

Why Inflection Financing

→Fixed monthly payments — no daily debits
→Fully amortizing, no balloon
→No collateral required up to $500K
→Funding in 3 to 10 business days

Term by Industry

Industries we finance with Term.

Restaurants

$75,000 to $3,500,000

Construction Firms

$100,000 to $5,000,000

Manufacturers

$250,000 to $10,000,000

Retail Businesses

$50,000 to $2,500,000

Professional Services Firms

$100,000 to $3,000,000

Technology Companies

$250,000 to $5,000,000

E-commerce Brands

$50,000 to $3,000,000

Term Loans — Frequently Asked

What credit score do I need for an Inflection Financing term loan?+

Personal FICO 660 or higher is the typical floor for term-loan approval. Stronger scores unlock better pricing and longer amortization periods.

How is a term loan different from a line of credit?+

A term loan is a one-time draw that amortizes on a fixed schedule. A line of credit is revolving — you draw, repay, and re-draw as needed. Term loans are right for one-time projects; lines of credit are right for ongoing working capital cycles.

Can I use a term loan to pay off a merchant cash advance?+

Yes. Refinancing MCAs is one of the most common uses of an Inflection Financing term loan, and one of the highest-ROI uses of capital we see. Most MCAs carry effective APRs above 60%; our term loans typically price under 16%.

Is there a prepayment penalty?+

No. Inflection Financing term loans are simple-interest and can be paid early without penalty, reducing total interest paid.

Other capital facilities

SBA 7(a) Loans

The flagship SBA program for established U.S. businesses — up to $5M.

Bridge Loans

Same-day capital for time-sensitive opportunities. Funding in as little as 12 hours.

Working Capital

Revolving and short-term capital for inventory, payroll, and operational rhythm.

Equipment Financing

Asset-backed financing for machinery, vehicles, and capital equipment — up to 100% LTV.

Commercial Real Estate