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An unsecured fixed-term business loan for a £30k request is usually priced based on lender risk, affordability, and the strength of your trading information. Many lenders cluster terms around 24 to 48 months, though common ranges are 12 to 60 months. Initial decisions are often within a few days to 1–2 weeks, depending on document completeness and checks. This route can suit agencies where repayments can be supported by predictable recurring income or improving cash flow, such as monthly recurring revenue.

For a £30k marketing agency, a secured term loan can provide longer-term funding, commonly 24 to 84 months. Secured pricing is often lower than unsecured for comparable borrowers, but ranges can still vary widely by risk, term length, and how security is structured, for example roughly 6% to 30% APR. Decisioning is often slower than unsecured because security and documentation steps apply. Initial decisions are commonly 1 to 3 weeks, with total time to drawdown longer where legal or valuation checks are required.

An invoice-financing-style term loan can help where income is legitimate but cash timing is uneven, such as for retainer invoicing or milestone billing. Typical terms are 6 to 36 months, reflecting how the lender links repayments to expected cash receipts. Pricing can resemble other term loans and may include arrangement or servicing components, with broad ranges such as roughly 10% to 45% APR. Decisions are often 1 to 3 weeks because the lender focuses on sales, invoicing and payment patterns you can evidence.