Expansion Term Loan

We've made small business financing a fundamental part of our business. Since opening our doors, we have backed companies in all lines of business and industries. IBS is proud to partner with some of the most recognized brands, such as IHOP and Choice Hotels, as well as independent manufacturers, retailers, distributors, and healthcare professionals. Our Expansion Term Loan was designed to fuel entrepreneurship, whether purchasing new equipment, hiring staff, or adding locations.

Program Overview

• Transaction sizes range from $1,000,000 to $7,000,000 
• Fully amortizing terms between 5 to 15 years
• Fixed rates and floating starting at WSJ Prime plus a margin of 3.50%  
• Closing occurs within 4-6 weeks
• Target industries include Distribution, Manufacturing, Retail, Professional Services, Technology, and Hospitality.
• Unlike SBA or conventional bank financing, IBS does not require "additional collateral" in the form of cash, personal residences, etc.   

Additional Parameters

• Minimum gross revenue of $3MM
• Minimum operating history of 3 years  
• Bankruptcies must be dismissed/discharged for at least seven years
• Targeting A/B credit, all credits that do not conform to this program will be considered for the IBS Short-Term Bridge Program

Learn how IBS drives the success of small and middle-market-sized companies through its nation-leading corporate finance programs by downloading our brochures and guides and visiting the links below. Reach out to a Relationship Manager for more information.

Short Term Bridge

Asset Based Lending

Unitranche Term Facility

Intellectual Property Finance