^£200k Recruitment Agency Loan – Apply for Fast Funding

An unsecured term loan typically targets around £25,000 to £200,000, with lending terms often ranging from 24 to 60 months. Commonly quoted pricing is roughly 9.0% to 18.0% APR, depending on credit profile and term length. Decision times are frequently 1 to 4 weeks from application to decision, influenced by documentation quality and lender checks. For recruitment agencies, it can help cover payroll and operating expenses while you wait for customer payments, fund consultant onboarding, and support contract ramp-up when fee income starts later.

A secured term loan often allows borrowing from about £50,000 to £500,000+, depending on asset value and the security type. Terms are commonly 36 to 84 months, with pricing frequently lower than unsecured, around 6.5% to 12.5% APR subject to loan-to-value and risk. Expect decision times of roughly 2 to 6 weeks, since security documentation and charge set-up can take additional time. Recruitment agencies may use it to invest in offices and equipment, consolidate expensive debt, or provide a larger capital injection to build a consultant team while contracts ramp and billings increase.

Invoice-backed term loan advances typically target SMEs in the region of £50,000 to £250,000, with £200k achievable where there is sufficient eligible debtor book. Repayment structures are often set for around 6 to 24 months, and pricing may be expressed as an annual interest rate plus charges related to invoice performance and utilisation. You may see an indicative range of about 10.0% to 19.0% APR effective cost, depending on when invoices are paid and the lender’s fee design. Initial decisions are often 1 to 3 weeks, potentially up to around 5 weeks where invoice sampling or client verification is needed. This type is commonly used to fund payroll and contractor costs while you wait for client remittances.