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An unsecured term loan for a marketing agency is typically considered where your business has enough consistent income to cover regular repayments. Lenders will generally review bank statements or accounts, recent bank statements, and how your revenue converts into billings. Sector factors can include recurring client revenue, retention, and evidence that planned spend supports deliverables and future invoices. Typical amounts are around £50k to £300k, with rates commonly quoted in the ~9% to 18% range, depending on risk and affordability.

A secured term loan for a marketing agency can allow higher advances where security strengthens the risk position. Eligibility focuses on repayment affordability and credit, but underwriting also considers the value and liquidity of the security offered. Typical amounts are roughly £100k to £500k, with terms often 36 to 84 months. Decision times are frequently longer, around 2 to 6 weeks, because valuation and legal/charge registration steps may be required. Where security is suitable, interest can be lower than unsecured, commonly in the ~6% to 14% range, reflecting credit risk and term length.

Some lenders offer term lending where repayment performance is supported by evidence of sales and invoicing, often through recent invoices, ledgers, and bank statements. Eligibility still includes affordability checks, but underwriting may place more weight on invoiced revenue patterns, debtor health, and the consistency of client payments. Typical amounts are approximately £75k to £350k, and term lengths are often 24 to 60 months. Decision times are frequently around 1 to 4 weeks, depending on how much invoice and ledger evidence is needed to verify underwriting. Pricing is commonly in the ~8% to 16% range, with outcomes influenced by invoice quality and collections.