FINANCE OPTIONS

^Get Your £850k Recruitment Agency Loan Today

Q: What borrowing range can an £850k recruitment agency loan fall into?

For SME term loans in this context, borrowing commonly ranges from £50,000 to £2,000,000. Your actual facility size depends on factors such as cashflow and profit affordability, trading history stability, existing debt and commitments, client concentration, and whether security is available and valued.

Q: How long does underwriting take for an £850k recruitment loan?

Timelines depend on loan structure and evidence. For full application and underwriting, decisions are often 2 to 6 weeks for secured cases, 2 to 5 weeks for unsecured, and 3 to 6 weeks for partially secured deals. Funds are typically available 4 to 10 weeks after full submission.

Q: What interest rates should a recruitment agency expect?

Typical pricing for SME term loans can fall within an approximate range of 6% to 18% per annum. Secured lending is usually lower and unsecured tends to be higher, with partially secured facilities often priced between the two. Exact rates depend on risk, credit history, coverage, and repayment term.

Q: Which £850k term loan type is most common for recruitment agencies?

Recruitment agencies often consider three routes: secured term loans (asset-backed), unsecured term loans (cashflow-based), or partially secured term loans (mixed security). Secured deals usually expect demonstrable profitability and suitable security for larger amounts. Unsecured relies more on trading performance, while partially secured blends affordability with security evaluation.

A £850k recruitment agency loan is typically an SME term loan, meaning you borrow a fixed amount and repay it in instalments over an agreed period. Businesses use this kind of funding to plan ahead, especially when placement activity creates gaps between salary and fee receipts. Lenders usually assess affordability using your trading history and cashflow patterns, then review credit references and any security offered. Because £850k is larger than average for many SME loans, underwriting may be more detailed, so having a clear repayment story matters from the start.

Business Loans

Secure up to £1,000,000 in Business Loans with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

Apply Now

How an £850k term loan can help

For recruitment agencies, a structured term loan can turn fee timing uncertainty into a more manageable repayment plan. It can also support growth, refinancing, and investment in systems and people, while keeping your borrowing framework aligned to medium-term objectives.

Smoother repayment planning

De-risk growth investment

Replace higher-cost borrowing

SCALE YOUR BUSINESS TO NEW HEIGHTS

Common £850k term loan types

Secured term loan (asset-backed)

Often suited to recruitment agencies with strong trading performance and cashflow. Higher borrowing levels typically expect demonstrable profitability or a clear turnaround plan, plus evidence of stable client activity and suitable security.

Secured term loan (asset-backed)

A secured term loan (asset-backed) is designed for businesses that can offer security, such as property, vehicles, equipment, or general security over business assets. For recruitment agencies, it can fit when you want a larger facility and can show you can service instalments reliably. Typical amounts can range from £200,000 to £2,000,000, with terms often 36 to 84 months. Decision time is commonly 2 to 6 weeks, depending on the evidence pack and security process.

Unsecured term loan (cashflow-based)

Typically relies more on accounts and cashflow than collateral. It may suit recruiters with consistent trading and acceptable leverage where lenders can see how repayments will be met.

Unsecured term loan (cashflow-based)

An unsecured term loan (cashflow-based) usually depends on financial performance rather than asset security. While typical amounts are £50,000 to £750,000, larger requests like £850k may still be considered in some cases, subject to underwriting. Terms are commonly 24 to 60 months. Pricing tends to be higher than secured lending, with a typical range around 9% to 18% per annum, and decisions are often 2 to 5 weeks for full applications.

Partially secured term loan (mixed security)

Blends security and cashflow assessment. Useful when you can secure part of the facility, but affordability is still the main repayment driver.

Partially secured term loan (mixed security)

A partially secured term loan combines blended risk, where lenders evaluate both cashflow serviceability and the value of specific security. Recruitment agencies may secure against certain assets, with the remainder underwritten on trading performance. Typical amounts can be £150,000 to £1,500,000, with terms often 30 to 72 months. These facilities can price between secured and unsecured lending, with a typical range around 7% to 15% per annum. Decision time are often 3 to 6 weeks because underwriting includes both credit and security evaluation.

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 an £850k recruitment loan

Share your finance needs

Tell us you are seeking an £850k facility, what you want it for (growth, refinance, acquisition, or systems), and share a snapshot of trading performance and your current facilities. This helps us understand how repayments should work in your model.

We shortlist likely lenders

Funding Agent matches your profile to lenders based on how they underwrite recruitment-agency cashflow. We also consider whether you have security available, and the type of term loan most aligned to the amount you are requesting.

Submit and progress underwriting

We help you compile an underwriting-ready application and submit it. We then coordinate follow-ups to support affordability checks and, where relevant, security and legal steps so the lender can complete the process efficiently.