Commercial loans provide capital to help businesses expand and increase revenue. For your business to get a commercial loan, it needs to be approved by a lender. Your repayment terms and interest rates will depend on the qualifications of your business. Commercial loans are mostly term loans, meaning you’ll need to pay fixed monthly payments for a given period, including real estate loans, business credit lines, and equipment financing loans. Other commercial financing options include ACH financing, merchant cash advances, and invoice factoring.