Terms are theory-laden. Theory commits to particular ontologies. I guess I don't understand this either.
Terms are parts of language.
The claim that all terms of a language are theory-laden is so widely accepted and so ingrained in my own views, that I had to consult my library to find the most useful references for you. The thesis was most famously argued for by Quine and Sellars. The conclusion is that for a term to be meaningful at all, it must also be theoretical. These would be the apparently uncompromising terms of basic experience such as color terms. Sellars argues that those terms which may have seemed harmless are in fact as theoretical as all the rest.