Cashflow Term Loans
Lantern Capital arranges term financing repaid from the cash flow your business already generates — a lump sum for a defined purpose, structured around how the business actually earns.
Capital for Growth,
Acquisitions, And Expansion
Every business hits a point where the next step needs capital before the cash is in hand. For one, it's acquiring a competitor or buying out a partner. For another, it's opening a second location, taking on a contract larger than anything before it, or investing in the capacity to grow. A cashflow term loan funds that step now and repays on a fixed schedule from what the business earns.
Lantern Capital structures the financing around the strength of your cash flow and the reason behind the raise, drawing on our team's experience at leading banks and lending partners across North America.
Benefits Of Using Term Loans For Your Business
Funds a Defined Purpose
Acquisitions, buyouts, expansion, new equipment, or a step-change contract — capital for the specific move you're making, not vague working capital.
Fixed, Predictable Repayment
A set schedule from day one, so the cost is known up front and planning stays simple, whatever the size of the raise.
Scaled to Your Stage
The right structure looks different for an established operator than for a business taking its first big step. We size the request to where you are.
Repaid From What You Earn
Underwritten on the strength of your cash flow rather than a pledged asset, so the financing follows the performance of the business.
Keep Full Ownership
Fund the move with debt, not by selling a stake, so growth stays yours and so does the upside.
Structured, Then Placed
As advisors, we shape the request to present well and take it to the lenders best suited to fund it — not to one product on one desk.
Frequently Asked Questions
Can A Smaller Or Growing Business Qualify, Or Is This Only For Established Companies?
Both. What matters most is the strength and consistency of your cash flow and the purpose behind the raise, not the size of the business. Lantern Capital works with established operators and growing businesses alike, and structures the request to fit your stage.
When Does A Term Loan Make More Sense Than Other Financing?
A term loan fits a defined, one-time move with a clear cost and a clear return — an acquisition, an expansion, a major purchase. When the need is ongoing or unpredictable instead, a revolving facility usually fits better. Lantern Capital looks at what you're actually trying to do and recommends the structure that fits, rather than pushing a single product.
Do I Need To Pledge Assets To Get A Term Loan?
Not necessarily. Cashflow lending is underwritten primarily on your earnings rather than a specific asset, which is what separates it from asset-based financing. If your business is asset-rich or cash-flow-strong, that shapes which structure and which lenders make sense — and that's the conversation to have before you apply.
How Do I Know How Much Financing My Business Can Support?
It comes down to what your cash flow can comfortably repay alongside running the business. Rather than borrow to a number, Lantern Capital reviews your financials first and advises on what's realistic, so the financing supports the move without straining operations.
Why Work With An Advisor Like Lantern Capital Instead Of Going Straight To My Bank?
Going direct means working with whoever you approach and the options they offer. Lantern Capital structures your request and brings it to the lenders best suited to fund it — across banks, alternative, and specialty sources — so you can compare real options and move forward with the right fit. As advisors, our role is to find the structure that works for your business.