Business Term Loans

Business term loans[cite::26::cite] from Zions Bank come with predictable monthly payments and competitive interest rates to help you expand your business, refinance debt, or purchase assets like equipment, vehicles, and machinery. Our bankers have the expertise to match your business need with the term loan ideal for your specific situation.

Apply For a Business Term Loan

For borrowing up to $100,000, get a same-day decision and next-day business funding[cite::29::cite] with our Business Access Term Loan. This loan must be secured by newly purchased equipment, machinery, or vehicles. 100% financing options are available. Apply online or in person in less than 15 minutes.

Business Term Loan Account Details and Benefits

Business term loans provide a specific amount of credit for financing one-time business needs, such as business expansion, equipment purchases, or an injection of working captial. The loan is paid back on a predetermined schedule with principal and interest payments due each month. Zions Bank offers terms up to 84 months, loans can be unsecured or secured by collateral, and interest rates are typically fixed for the life of the loan. 


  • Business Access Term Loan
  • Business Unsecured Term Loan
  • Business Secured Term Loan
  • Equipment Financing


  • Finance a specific one-time need
  • Fund growth opportunities
  • Increase working capital
  • Purchase equipment or vehicles
  • Refinance existing debt


  • Up to 84 months and based on the useful life of the collateral


  • Unsecured: None required
  • Secured: Furniture, fixtures, equipment, heavy machinery, vehicles, marketable securities, certificate of deposit


  • Predictable monthly payments
  • Principal and interest payments fully amortized over the term of the loan


  • Advance rate based on type, age, and condition of collateral
  • 100% advance rate options available on asset purchase and refinance transactions up to $500,000

Rate Option

  • Fixed or variable

Quick and Easy

Our loan decisions are made locally in Utah and Idaho so you can enjoy a faster turn-around time on approvals. This means you can get your Business Term Loan sooner.


Did you find all the information you needed about our Business Term Loans? To find out if a short-term business loan is right for you, contact us or visit a local Zions Bank branch.



Or visit a local Zions Bank branch.