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Q: What amount can a marketing agency borrow with a term loan?

Borrowing capacity for term loans can start around £50,000 and may extend up to around £2,000,000, depending on repayment capacity and lender appetite. Lenders also consider revenue stability, credit history, leverage and existing debt, and the availability and value of security for secured options.

Q: How long does it take to get funds from a term loan application?

Timings can vary with how straightforward the documentation and assessment are. An initial view can be around 1 to 2 weeks after key information is submitted, while full underwriting often takes longer. Commonly, funds become available about 2 to 8 weeks from full application to drawdown depending on complexity and whether security or legal steps are needed.

Q: What interest rates are typical for marketing agency term loans?

Typical interest rates for marketing agency term loans are broadly in the 6% to 15% per annum range. Secured senior options are often at the lower end, and unsecured options are often higher. Final pricing depends on credit profile, term length, security level, and overall risk assessment.

Q: What types of term loans might suit a marketing agency?

Common term loan types for marketing agencies include senior secured term loans, unsecured or lightly secured term loans, and asset-backed secured term loans. Secured options usually rely more on security and valuation, while unsecured options often depend more on profitability and credit history. Asset-backed structures depend on whether qualifying assets can be valued and monitored.

A £850k marketing agency loan is usually offered as a term loan, a fixed-purpose business loan repaid in monthly instalments over a set period. Agencies use term loans to turn funding needs into a planned monthly repayment schedule, helping them commit to hires, delivery capacity, or growth spend. Compared with more flexible facilities, a lump-sum draw can suit medium-term objectives, while fixed instalments support budgeting for payroll, subcontractors, and ongoing campaign costs. Funding Agent can help you compare suitable lender options based on how your agency earns and manages cash flow.

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Why a term loan can fit your growth plan

For marketing agencies targeting around £850k, term loans are structured to match medium-term trading and repayment capacity. You typically receive funds in one draw, repay over a defined term, and work through a lender process that depends on document completeness and whether security is required. Decision times often range from 2 to 6 weeks from full application to drawdown.

Predictable repayments for delivery

Lump sum funding upfront

Defined term to align plans

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of term loans for marketing agencies

Senior secured term loan

A senior secured term loan is commonly used when an established agency can show repayment capacity and provide security, such as charges over assets. Lenders typically focus on trading performance, cash flow, credit history, and affordability measures like DSCR.

Senior secured term loan

A senior secured term loan can be a strong fit for marketing agencies with a clear repayment story and suitable security. Typical eligibility centres on trading history, often around 2+ years, evidence of profitable or improving cash flow, and affordability checks using tools such as DSCR. Lenders usually request annual or management accounts plus bank statements, then assess the strength of the security package before confirming terms. If approved, the facility is drawn as a lump sum and repaid through monthly instalments over a term often spanning 24 to 72 months.

Unsecured or lightly secured term loan

Where security is limited, an unsecured or lightly secured term loan may be considered. This route often relies more heavily on consistent profitability, credit history, and evidence that current cash flow can cover repayments.

Unsecured or lightly secured term loan

An unsecured or lightly secured term loan may suit marketing agencies with good credit history and stronger or consistent profitability, particularly where there is limited security to offer. Lenders still carry out affordability assessment and usually require accounts and bank statements, and sometimes supporting projections. Personal guarantees may be requested depending on lender policy and company structure. Decision timelines can be relatively fast, commonly 1 to 4 weeks for faster-underwriting cases, after documentation is reviewed and the application passes initial checks.

Asset-backed secured term loan

An asset-backed secured term loan uses specific business assets as security. Lenders consider the asset type, valuation, and monitoring requirements, so eligible agencies often have tangible assets that can be secured.

Asset-backed secured term loan

An asset-backed secured term loan is designed around collateral. For marketing agencies, eligibility depends on the asset base and whether qualifying assets can be valued and monitored. Lenders assess asset type, valuation haircuts, advance rates, and insurance or compliance requirements, alongside trading and cash flow. Terms typically run 24 to 84 months because repayment can be matched to the asset life and the structure of the security. Decision times are often longer, commonly 3 to 8 weeks, reflecting valuation and legal documentation steps.

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 to get this £850k loan through Funding Agent

Share your agency financials

Tell us your funding need, timeline, and how repayments will be supported. Upload relevant accounts (or management accounts), recent bank statements, and basic business details so we can assess fit for term loan underwriting. Complete our online application form.

Review matching loan options

We review your profile and map you to appropriate lender types, including secured senior term loans, unsecured or lightly secured options, and asset-backed structures where applicable, depending on your risk profile and asset position.

Submit and manage underwriting

We help ensure your application is complete for underwriting and coordinate next steps. If security or legal elements are required, we support you through those stages until you receive an offer and can proceed to drawdown.