1 C1 formal
Of a loan or credit facility: to reach the end of its agreed term.
"The revolving credit line will term out in March, and the company must decide whether to refinance."
term out
C1 formal separable transitive/intransitive
In finance, to reach the end of a loan or credit facility's term, or to extend and restructure a loan by converting it to a longer-term arrangement.
In plain English
When a bank loan reaches its end date, or when you change a short-term loan into one that lasts much longer.
What does "term out" mean?
2 meanings, ordered from most common to least. Color-coded by CEFR level.
2 C1 formal
To convert a short-term loan into a longer-term structured arrangement.
"The bank agreed to term out the bridging loan over five years to help the business recover."
separable
Usage tip
Specialist financial/banking terminology. Not used in everyday speech. Learners will encounter this in business English, banking, and finance contexts.
Words that pair with "term out"
Natural word combinations native speakers use most often.
loan debt credit facility borrowing revolving credit
How to conjugate "term out"
The five tense forms you'll use most often.
Base
term out
I/you/we/they
3rd person
terms out
he/she/it
Past simple
termed out
yesterday
Past participle
termed out
have + pp
-ing form
terming out
continuous
Hear "term out" in the wild
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Other ways to say "term out"
Swap in when you want variety — tap a linked one to explore it.
expire mature refinance restructure run to term
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