^Get Your £150k Recruitment Agency Loan Today

An unsecured term loan can fit a profitable recruitment SME that can demonstrate it can service fixed instalments. Typical amounts are around £30,000 to £250,000, so a £150,000 request can be within range for suitable cases. Lenders often focus on affordability using recent bank activity and trading consistency rather than asset security. Decision times are frequently around 1 to 3 weeks for an initial view, with underwriting depending on bank statement review and any follow-up questions.

A secured term loan can support larger borrowing requests, typically around £50,000 to £500,000, with £150,000 commonly manageable where repayment capacity is clear. Secured structures are often offered over 12 to 84 months, which can help align repayments with longer-term planning. Lenders will assess affordability alongside security coverage and legal readiness, which is why decision times often stretch to around 2 to 5 weeks when valuations or documentation are required.

This variant is aimed at recruitment agencies where fee-cycle cashflow is regular enough to support repayment. Typical amounts are around £25,000 to £300,000, with many £150,000 requests fitting working-capital smoothing when fee inflows are visible. Terms are usually 6 to 48 months, and decision times are often about 1 to 4 weeks depending on how quickly evidence of fee receipts and bank cashflows is reviewed. Pricing commonly sits in a higher band than secured options, reflecting the repayment profile and risk.