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For recruitment agencies, an unsecured term loan can be used to cover working capital needs such as funding consultant headcount, paying contractor wages and employer costs, or investing in lead generation before client billing. Typical lending terms are around 36 to 60 months. Decision times are often 1 to 3 weeks for an initial underwriting decision, and pricing can be fixed or variable depending on the lender, with SME ranges roughly 7% to 18% per annum.

A part-secured structure can help recruitment agencies access higher borrowing while still managing cash flow volatility typical in staffing. It is commonly considered for established agencies funding consultant recruitment and onboarding, investing in compliance tools, or consolidating higher-cost debt into one repayment plan. Lending terms are often 48 to 84 months, and decisions may take around 2 to 4 weeks due to security checks. Pricing is frequently lower than unsecured on similar cases, with a realistic SME range around 6% to 16% per annum.

For recruitment agencies, an invoice-linked advance facility is designed to bridge the gap between paying people and receiving client money. Instead of underwriting purely on current cash flow, it focuses on your invoicing levels, acceptable debtor concentration, and the ability to provide reporting such as invoice lists or sales ledgers. Typical amounts can fall around £50,000 to £750,000, sometimes structured as revolving support. Costs can include interest on drawn balances and potential fees, with broad all-in cost ranges often roughly 8% to 20% per annum depending on structure and utilisation.