^£600k Recruitment Agency Loan – Apply Now

For many unsecured cases, the target amounts range around £50,000 to £500,000, with £600k potentially possible where the lender’s affordability view is strong. Typical terms are often 24 to 60 months, and pricing is commonly seen roughly in the 7% to 15%+ per annum range, depending on credit and lender risk. Decisions are often around 1 to 3 weeks when information is ready. Funds are frequently used to cover payroll during ramp-up, support sales and marketing, and bridge timing gaps between timesheets and client fee payment—matching the approach of an unsecured term loan.

Secured term loans are often in the £150,000 to £1,500,000+ range, so £600k can align well when affordability and security are credible. Typical terms are commonly 36 to 84 months, and the pricing seen in the UK is often roughly 5% to 10% per annum for secured options, subject to the lender’s assessment. Decision times are typically 2 to 6 weeks, since setting up security and any valuation work can add time. Recruitment agencies may use secured funding to finance larger expansion plans, longer-term working capital needs, or to reduce monthly pressure through refinancing.

Invoice-backed facilities are often used to smooth cash-flow volatility caused by placement milestones and payment terms. They can be sized based on an advance rate against eligible invoices, with typical amounts frequently from £100,000 to £2,000,000+. A facility might be available on a revolving basis, with commitment periods commonly 12 to 36 months and ongoing monitoring. Effective pricing is often structured with facility and usage components, with UK effective rates roughly 8% to 18%+ per annum depending on utilisation, invoice quality and client risk. Setup decisions often take 2 to 5 weeks, especially where underwriting includes invoice eligibility and reporting checks—matching how invoice financing for recruitment agencies is assessed.