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For accountancy firms, unsecured term loans commonly range around £25,000 to £250,000, with £150,000 falling within this mid-range depending on turnover, profitability, and credit profile. Terms are typically 36 to 72 months, and decisions can take around 1 to 3 weeks initially. Pricing is often variable or fixed from the mid-single digits to mid-teens APR, depending on credit and term length. It is frequently used to fund staffing and subcontractor costs, IT and software upgrades, office moves or refurbishment, and refinancing smaller debts to simplify monthly commitments.

Secured term loans are often used for targets like £150,000 where available security can support borrowing size. Typical amounts can be around £50,000 to £500,000+, with lending terms commonly 60 to 120 months. Because security valuation and legal steps are involved, decisions are often 2 to 6 weeks. Interest is typically lower than unsecured options, often ranging from the high-single digits to low-teens APR, depending on risk, security quality, and term. Common uses include financing premises acquisition or refurbishment, capital equipment and major IT infrastructure, and consolidating larger debt to improve affordability.

This hybrid approach can suit situations where invoice timing creates temporary cash strain. Typical amounts can be around £30,000 to £300,000, with £150,000 often possible where collections are reliable and receivables are well-managed. Terms are usually 12 to 48 months. Decisions are often 2 to 4 weeks for underwriting, depending on how much debtor or ageing information is required. Interest pricing can reflect debtor risk and may land in the single digits to mid-teens APR equivalent, sometimes alongside facility or monitoring charges. It is often used to bridge gaps between fee billing and cash receipts, fund hiring and payroll when client payments are lumpy, and smooth cash flow around peak billing and year-end.