Ok what makes you think that they qualify for a longer term loan when they have not been in business for very long? people in hell would like Ice water doesn't mean they deserve it or will get it! Do they have a lot of assets? Large 401ks for collateral or are you just asking for a lender to do a multi year laon because they have some cash flow. And the final question would you be willing to take a mortgage out on your house or borrow againts your own 401k to lend them money?