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This route suits UK marketing agencies that can show affordability through bank statements and turnover. Many lenders expect evidence of consistent revenue inflow, such as recurring retainers, signed contracts, or stable project payments. The amount you target, often around £50,000 for this keyword, depends on lender appetite and your ability to service fixed repayments. Pricing is usually offered as an interest rate plus a representative APR, with typical unsecured ranges many SMEs see roughly between 6% and 29% APR.

An asset-free working capital loan can help cover staff costs and contractor spend while you wait for client payments. It is often underwritten on cash generation signals like turnover trends and bank statement flow, alongside a credit assessment of the business and, where relevant, directors. Lenders may also look for proof of client activity, such as contracts or order history, to support the working capital case. Typical unsecured working-capital pricing for SMEs is often positioned broadly around 7% to 35% APR, depending on risk and term length.

If you want flexibility to settle sooner, an unsecured loan with an early repayment option may be considered. Eligibility is similar to other unsecured products, based on trading history, affordability, and credit profile. Whether early settlement is available and how costs are calculated depends on lender terms, so it is important to review the offer carefully. This option is commonly used when agencies are financing a growth initiative and plan to repay from subsequent cash inflows, such as milestone or upfront payments. For many SMEs, unsecured pricing can sit roughly in the 6% to 30% APR band, subject to underwriting and term.