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OCR: How To Start A Small Business (SBA Documentation) Page 25 . Line of Credit (Revolving Credit Line) Long-Term Loans: Loans with maturities greater than one year but usually less than seven years. These loans are used for major business expansions, purchases of real property, acquisitions & in some instances start-up costs. Types of long-term loans include: . Personal Loan . Commercial Mortgage . Term Loan HOW TO WRITE A LOAN PROPOSAL Approval of your loan request depends on how well you present yourself, your business & your financial needs to a lender. Remember lenders want to make loans, but they want to make good loans, loans they know will be repaid. The best way to improve your chances of obtaining a loan is to prepare a written loan proposal. A good loan proposal will contain the foll ...