^£650k Logistics Business Loan – Apply for Fast Approval

With a secured asset-backed term loan, you typically borrow from about £100k to £750k, with £650k feasible where security and repayment capacity are compelling. Common terms are usually 24 to 60 months, sometimes up to 84 months depending on asset life and security. Interest can be fixed or variable, and for secured business loans for logistics at this level a realistic range is approximately 6% to 14% per annum, subject to credit and security strength. Decisions often take 1 to 3 weeks for straightforward cases, or 3 to 6 weeks if valuation or security checks are more complex.

Unsecured term loans are commonly available for £50k to £500k, so reaching £650k is possible but less typical without strong affordability and credit strength. Terms are usually 12 to 48 months, and pricing is often higher than secured borrowing. A realistic interest range is approximately 8% to 18% per annum, depending on credit risk and lender appetite. Decisions are often 5 to 15 business days after complete documentation, while more complex cases may take longer. This type is commonly used to smooth cash-flow dips between customer receipts and operating costs.

Invoice-backed term loans often support borrowing of around £100k to £800k, with £650k feasible for established operators with consistent invoice volumes. Typical terms are 18 to 48 months, sometimes longer depending on structure. Pricing varies by how the facility is designed and the risk in the underlying receivables, with a broad realistic range of approximately 7% to 15% per annum, plus potential additional charges depending on the lender model. Because lenders review invoices and debtor information, decision times are often 2 to 4 weeks, and may take longer where customer documentation is complex.