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An unsecured term loan is usually considered where you can evidence consistent net profit or EBITDA, not just turnover, alongside a well managed credit profile. In recruitment, lenders commonly scrutinise how cashflow behaves when receivables lag payroll, and how quickly fee income can improve. Amounts are often in the region of £100,000 to £750,000, with terms typically 24 to 60 months. Pricing often sits in a broad range of about 8% to 18% APR depending on risk, and initial decisions are commonly 1 to 4 weeks after full documents.

For some recruitment agencies, a secured term loan can be feasible when you can offer property, equipment or general business security. Lenders assess leverage, profitability, cashflow reliability and existing debt, with valuation and legal documentation as part of the process. Typical amounts can range from about £250,000 to £2,000,000, making £750,000 within reach for some mid-sized agencies depending on security and financial performance. Terms are often 36 to 84 months, and APR may be broadly around 6% to 15% for comparable risk. Expect initial decisions commonly within 2 to 6 weeks after complete information.

A working-capital term loan with staged drawdown suits recruitment agencies that need funding across multiple waves, such as recruitment campaigns, onboarding cohorts or office costs. Eligibility is linked to projected cash needs, management credibility and evidence that each tranche will be used as planned. Typical total amounts can be around £150,000 to £750,000, with overall terms often 24 to 60 months. Pricing is influenced by the staged structure, with a broad range of about 7% to 16% APR and interest calculated on drawn amounts until additional tranches are released. Initial decisions are commonly 2 to 5 weeks after complete documentation.