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An unsecured term loan advances a fixed amount and is repaid over a defined term, commonly 36 to 60 months (with shorter terms sometimes appearing for lower amounts). Typical unsecured amounts are about £25,000 to £250,000, so £250k can be possible for stronger cases. Decision times are frequently around 1 to 3 weeks. Pricing is assessed through lender underwriting and can be fixed or reducing-rate, with APR-style costs often ranging from mid-single digits to low-teens depending on risk and term length.

An asset-backed or secured term loan is often used where the agency can offer security, commonly certain business assets. Typical amounts range from about £50,000 to £500,000+, so £250k may be achievable with the right collateral and risk profile. Terms are often 48 to 84 months. Decision times are frequently 2 to 5 weeks because lenders may need collateral valuation and legal/security documentation. Interest pricing is often lower than unsecured for comparable risk, but ranges can still run from mid-single digits to high-single or low-teens based on leverage and the agency’s financial metrics.

An invoice-driven term loan uses the agency’s sales ledger and invoicing as a key underwriting input. Typical amounts are about £25,000 to £300,000, with around £250k available depending on invoice volume and limits. Common terms are 12 to 36 months, and lenders may periodically recalibrate facilities. Decision times are often 2 to 4 weeks, sometimes longer due to receivables review. Costs may be calculated as a base rate plus a margin or another fixed-risk structure, and APR-style cost can vary widely with how utilisation and receivables performance affect pricing.