^£50k Accountancy Firm Loan – Apply for Funding Today

Eligibility is typically for a UK limited company or a UK-registered sole trader or partnership trading as an accountancy practice, usually with 2+ years accounts. Lenders look at trading history and affordability based on cashflow, since the business is expected to be the primary repayment source. Decision times are often 5 to 15 working days, and representative pricing commonly sits around the mid-single to high-teens APR, with final rates depending on credit profile and term length.

These loans are typically assessed on trading stability and repayment capacity, with security taken against business assets such as equipment or vehicles. Decision times are often 1 to 3 weeks because security valuations and legal or charge documentation may be required. Representative interest rates are often lower than unsecured for comparable profiles, frequently in the low single to mid-teens APR range. A secured route can be particularly relevant for major IT rollouts, fit-outs, or refinancing more expensive short-term borrowing.

This route is often relevant when repayment strength depends more on fee collection timing than on static balance-sheet measures. Amounts commonly range from £20,000 to £100,000, with terms typically 12 to 48 months aligned to cashflow cycles. Decision times are often 7 to 20 working days while lenders validate fee inflows and cashflow forecasts. Pricing can be higher than traditional secured loans, commonly in the mid-single to high-teens APR, depending on invoice or fee performance risk.