FINANCE OPTIONS
1m Term Loan – Apply Now
A 1m Term Loan is when you borrow £1 million and agree to pay it back over a set period with regular payments. It's a simple way to get a large amount of money upfront and spread the cost over time. Interested in learning how one could work for you? Just ask!
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of 1m Term Loan?
A £1 million term loan provides businesses with a significant amount of capital that can be used for various purposes, such as purchasing equipment, expanding operations, or managing cash flow. Its fixed repayment schedule allows businesses to plan their finances more effectively, making it easier to budget and forecast future cash needs. Additionally, the loan can help strengthen credit profiles when repaid on time, contributing to long-term financial stability.
Flexible repayment terms
Access to quick funds
Supports business growth
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What are the different types of 1m Term Loan?
Secured 1m Term Loan
A 1-month loan backed by collateral, such as assets or cash deposits.
Unsecured 1m Term Loan
A 1-month loan not backed by any collateral; relies on the borrower's creditworthiness.
Revolving 1m Term Loan
A 1-month loan that allows repeated borrowing up to a set limit within the term.
What is a 1m Term Loan?
Secured 1m Term Loan
A secured 1 million term loan requires the borrower to provide collateral, such as real estate, equipment, inventory, or other financial assets. If the borrower fails to repay the loan, the lender may claim the collateral to recover their funds. These loans typically offer larger amounts and lower interest rates due to the reduced risk for the lender.
Unsecured 1m Term Loan
An unsecured 1 million term loan does not require collateral. Instead, approval is based mainly on the borrower's creditworthiness, business income, and cash flow. Since there is more risk for the lender, interest rates may be higher and qualification standards stricter.
Revolving 1m Term Loan (Business Line of Credit)
A revolving 1 million term loan, or business line of credit, allows a business to borrow flexibly up to a set credit limit. Funds can be drawn as needed, and interest is only charged on the amount used. This option is useful for managing cash flow or covering unexpected expenses.
Real Scenarios
Construction Company Needing Fast Working Capital
Situation
A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.
Challenge
Traditional bank applications were too slow; they needed a decision and funds within days.
Outcome
Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.
Ecommerce Business Preparing for Peak Season
Situation
An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.
Challenge
They wanted flexible terms and a quick turnaround so stock could be ordered in time.
Outcome
Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.
Marketing Agency Using Invoice Finance
Situation
A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.
Challenge
They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.
Outcome
Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.
Property Developer Using Bridging Finance
Situation
A developer needed short-term finance to complete a purchase before selling an existing property.
Challenge
They required a fast decision and flexible terms to align with the sale timeline.
Outcome
Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
FAQ’S
What is a £1m Term Loan for the renewable energy sector?
Are there eligibility criteria for a £1m Term Loan in organic farming?
What documents are required for a £1m Term Loan in social projects?
Are there sector-specific requirements for leisure sector £1m Term Loans?
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