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For an unsecured route, the typical amount is often in the range of around £100k to £600k, depending on turnover, profitability, and overall debt position. Terms are commonly 24 to 60 months, sometimes up to 72 months for stronger cases. Pricing is often in a broad range of about 7% to 20% per year, which reflects credit risk and affordability. Decision times are often around 1 to 4 weeks for standard applications when accounts and documentation are straightforward.

With security in place, borrowing can be larger. Typical amounts are often about £150k to £1.5m+, with many £600k cases falling into this secured bracket. Terms are commonly 36 to 84 months, which may suit equipment-heavy projects. Interest may be lower than unsecured for comparable risk, with a typical range of about 6% to 16% per year. Because valuations and legal steps are involved, decisions often take around 2 to 6 weeks, depending on how quickly asset details and valuations can be provided.

In this mixed structure, typical amounts are often around £100k to £700k or higher, depending on how much is capital expenditure versus working-capital support. Repayments generally run over 24 to 60 months, with the agreement structured as a single facility. Interest is typically higher than pure secured capital borrowing, with a typical range of about 7% to 18% per year, depending on whether any security is taken and the robustness of cashflow evidence. Decisions are often around 2 to 5 weeks when management accounts and cashflow forecasts are ready.