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A senior secured term loan is commonly considered for UK incorporated businesses with trading history (often at least 2+ years) and positive or improving cash flow. Lenders usually look for evidence that placement revenue can service monthly repayments. Typical amounts can range from £100,000 to £500,000, so a £350k request may fit depending on affordability. Terms are often 24 to 60 months, and decisions are frequently 2 to 6 weeks where standard review and security documentation are required.

An unsecured term loan can be a fit for UK SMEs where security is not required or is limited. Eligibility typically centres on credit history, turnover and profitability, plus demonstrated ability to repay. Typical amounts range from £25,000 to £350,000, with terms often 12 to 48 months. Pricing is commonly higher than secured lending. Decision times can be 1 to 4 weeks for straightforward cases, with longer review where more detailed underwriting is needed.

Some lenders structure term finance using receivables information to understand affordability, even if it is not classic invoice finance. Eligibility usually depends on identifiable and saleable receivables history, manageable bad debt levels and accurate reporting. Typical amounts can be £100,000 to £600,000, so £350k may be feasible with strong receivables evidence. Terms may run 24 to 72 months, with decision times often 3 to 8 weeks due to deeper evidence review focused on debtor and cash collection performance.