Generally term loan is payed back in regular payments with in certain period of time. A term loan usually involves an unfixed interest rate that will add additional balance to be repaid. This type of loan will not have fixed interest.

Capital loans are long term loans which can be obtained from bank or a finance company. Unlike common stock, loan capital requires some type of periodic interest payment back to investors for use of the funds.

From my point of view you need to be very careful while making these loans and read all the agreement documents carefully before signing. https://www.agreements.org/loan-agreement-2.html/