FINANCE OPTIONS

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Q: How much can a logistics SME typically borrow with £750k finance?

For a secured, asset-backed logistics loan route, typical borrowing amounts range from £50,000 to £750,000. The amount offered depends on asset values and condition, security strength and ownership, trading history and profitability, and the ability to demonstrate affordable monthly repayments.

Q: How long does a decision usually take?

Timelines depend on the case. An initial credit indication can be around 5 to 10 working days once the document pack is complete, with full underwriting then following. For secured asset-backed cases, funding completion is often 2 to 6 weeks from initial submission, depending on asset checks and completion steps.

Q: What interest rate range should logistics borrowers expect?

Typical pricing for SME secured asset-backed loans can be around 8% to 18% per annum, though final rates depend on credit profile, leverage, asset type/value, term and security. Fees may also apply, including arrangement or underwriting fees and legal or security-related costs.

Q: Which logistics asset types fit this finance?

This finance is commonly used for vehicle and trailer purchases, warehouse equipment, or refinancing existing asset-backed borrowing. Vehicle and trailer purchase term loans support fleet upgrades, while warehouse equipment loans can cover forklifts, racking and conveyor or MHE upgrades. Asset-refinance term loans support consolidating or extending existing facilities.

A £750k logistics business loan is typically a secured, fixed-term borrowing facility for SMEs that need medium-term funding to buy or refinance logistics assets, such as vehicles, trailers, forklifts, warehouse equipment, or asset-backed working capital support. Businesses use this kind of finance to turn large logistics capex into predictable monthly repayments, helping them protect delivery capacity while managing cash flow. With security usually taken over the funded assets and potentially other business assets, lenders assess affordability based on trading performance and the value of what is being financed.

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Why this type of secured logistics loan can help

A logistics-focused secured asset term loan is built for SMEs that need medium-term funding tied to fleet, trailers, warehouse handling equipment, or refinancing existing asset-backed debt. Funding decisions and pricing reflect creditworthiness, asset values, and the assessed security. Repayments are typically planned over an agreed term, with turnaround often depending on how complete the asset or refinance documentation is.

Predictable month-by-month payments

Secured lending supports higher needs

Clear timelines for underwriting

SCALE YOUR BUSINESS TO NEW HEIGHTS

Common types of £750k logistics finance

Vehicle & trailer purchase term loan

Use a vehicle & trailer purchase term loan to fund HGVs, vans and trailers, or upgrade an existing fleet. Lenders typically want proof of the asset and evidence you can meet monthly repayments.

Vehicle & trailer purchase term loan

This option is designed for UK-registered logistics SMEs, often limited companies or LLPs, with a viable trading history. Typical amounts range from £100k to £750k, with terms commonly set at 36 to 72 months. Pricing can be fixed or variable depending on the lender and security, with typical SME secured asset-backed pricing often quoted around 8% to 18% per annum. For a straightforward secured case, decisions often land between 1 and 4 weeks.

Warehouse equipment secured term loan

Finance warehouse and distribution equipment such as forklifts, racking or conveyor systems. It focuses on equipment value and documentation to support lender underwriting.

Warehouse equipment secured term loan

Warehouse equipment secured term loans suit logistics SMEs that can evidence operations and acceptable repayment capacity. Typical amounts sit around £50k to £600k, with £750k possible for larger installations or bundled equipment where security is strong. Terms are often 24 to 60 months, based on useful life and residual value assumptions. Typical secured SME pricing can be around 8% to 16% per annum, depending on asset type, term and security. Decision time is frequently 1 to 3 weeks, extending to 4 to 6 weeks for complex installations.

Asset-refinance secured term loan

Rework existing asset-backed borrowing when you want lower monthly pressure, longer terms, or to consolidate facilities. Lenders reassess assets and affordability.

Asset-refinance secured term loan

If you are looking at refinancing rather than purchasing new assets, an asset-refinance secured term loan may fit. Typical amounts are £75k to £750k, based on outstanding debt and current asset valuations. Terms commonly run 24 to 72 months, aligned to remaining asset life or your refinancing strategy. Typical pricing for secured refinancing can be around 9% to 17% per annum, with the final rate reflecting credit changes and the interest structure. Because lenders review existing facilities and current security details, decisions often take 2 to 5 weeks, though simpler cases can be faster with clean documentation.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How Funding Agent helps you access options

Share your logistics funding plan

Tell us what you want to buy or refinance, the approximate amount you need, and how the funding will support your logistics operations. Include a short overview of your business and the asset schedule if you have one.

Upload documents for lender readiness

Provide basic financial information and the lender-ready asset details. For purchases, this can include quotations or invoices; for refinance, lenders typically need current facility details and the asset information required for their review.

Compare lender offers and complete

We submit your details to suitable lenders, compare terms and help you progress through the next steps. Completion usually follows after underwriting checks, including asset documentation and security-related requirements.