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Secured options often suit businesses planning capex such as replacing LGV or rigid vehicles, trailers, forklifts, racking, or warehouse equipment. Lenders typically review trading history, evidence that funded assets will generate revenue, and whether cashflow can meet monthly repayments. For smaller SMEs, personal guarantees are more common. For a £150k target, this sits within typical secured amounts, with common terms of 24 to 60 months and decisions that may take around 1 to 3 weeks, or longer if valuation and legal steps are required.

Unsecured logistics term loans typically focus on trading strength and repayment ability, often looking at 2+ years of trading, bank statement performance and turnover stability. Director credit profile and existing relationships can matter, and personal guarantees are more likely. Typical unsecured amounts often include £150k where affordability is clear. Lending terms are commonly 12 to 48 months, with pricing usually higher than secured. Initial decisions may be faster, often around 5 to 15 working days, although additional documentation can extend the process.

Receivables-based approaches tend to be assessed on the quality and collectability of invoices, rather than asset security alone. Lenders commonly review consistent turnover, your invoicing process, and debtor payment performance. Some may require that a minimum proportion of sales are to business customers, and they may restrict the type of customers or receivables included. Typical amounts range include £150k, and common term lengths are often 12 to 36 months. Decision times are usually around 2 to 4 weeks, reflecting receivables review and debtor checks, along with operational finance assessments.