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^Get Your £900k Marketing Agency Loan Today

Q: What amount can a £900k marketing agency loan be?

Borrowing capacity for this senior term loan route is typically described as £100,000 up to £900,000. The final amount is influenced by repayment capacity, trading history and profitability, revenue stability in your client base, and existing debt levels. Structure also matters, since unsecured approaches are often less common at the £900k level without stronger underwriting or security support.

Q: How long does underwriting and funding take?

Indicative decisions are often available within 1 to 3 weeks after full details are provided, with full underwriting taking longer. Where legal documentation and any security steps apply, the time for funds to be available commonly extends to about 4 to 12 weeks from initial submission to the lender. Asset valuation and documentation needs can add time for asset-backed approaches.

Q: What interest rate should marketing agencies expect?

Pricing context for senior term lending is broadly around ~6% to 18% p.a., depending on structure and risk. Lenders consider whether the loan is unsecured or secured, the term length, leverage and credit profile, and how stable and credible your cash flow is. There may also be arrangement or legal fees, varying by lender and structure.

Q: Which senior term loan types could fit a £900k request?

Common structures include unsecured term loans, part-secured term loans, and asset-backed term loans (selected assets). Unsecured options often target established SMEs and are more commonly within about £100k to £600k, with £900k being harder. Part-secured and asset-backed structures are often more plausible for larger ticket requests, subject to affordability and any security or asset valuation requirements.

A £900k Marketing Agency Loan is commonly arranged as a senior term loan, a fixed or part-fixed monthly-repayment business loan used to fund operational needs or growth plans. Many agencies use it to invest in headcount, delivery capacity, sales and marketing, equipment or software, or to refinance expensive short-term debt. Compared with revolving facilities, it provides a clearer repayment schedule and can support budgeting for payroll and delivery costs. Funding Agent helps UK marketing businesses compare suitable lenders by focusing on cash flow affordability, trading risk, and any security fit for the £900k level.

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Why a senior term loan helps at £900k

This type of finance is built around structured monthly repayments. For a £900k Marketing Agency Loan request, lenders also look at affordability and the quality of cash generation. Here are the practical reasons agencies choose a senior term loan and how decision timescales and pricing context can differ by structure.

Predictable monthly repayment plan

Funding growth and delivery

Clearer refinancing route

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of senior term loan for £900k

Unsecured term loan

An unsecured term loan for a marketing agency is typically aimed at established SMEs with an acceptable credit history and trading record.

Unsecured term loan

With unsecured structures, lenders usually focus on affordability and repayment capacity, supported by evidence such as operating profit or EBITDA. For agencies, recurring or repeat revenue matters more than one-off campaign income, since monthly instalments need to be serviceable. Typical unsecured amounts are around £100k to £600k, and £900k is less common unless the underwriting is particularly strong. Terms commonly range from 12 to 60 months, with decisions often taking around 2 to 8 weeks after full submission.

Part-secured term loan

A part-secured term loan uses some form of security or stronger covenant package to improve lender confidence.

Part-secured term loan

For a £900k Marketing Agency Loan, part-secured lending can be more realistic because security may reduce risk. Eligibility typically considers at least 2 to 3 years of accounts, acceptable credit profile, and proof that net cash flow can cover repayments. Terms are commonly 24 to 72 months, often 36 to 60 months for larger requests. Pricing is often in the ~7% to 15% p.a. range, depending on risk, while decisions frequently fall around 3 to 10 weeks for full underwriting and documentation.

Asset-backed term loan (selected assets)

Asset-backed term loans focus on financeable, clearly identifiable assets, alongside cash-flow affordability.

Asset-backed term loan (selected assets)

This structure can work where the lender can take security and value definable assets that have clearer valuation and liquidity. For marketing agencies, it may involve certain equipment or production-related assets rather than relying only on intangibles. Typical amounts are about £100k to £800k, with £900k possible only where the asset base supports it under advance-rate limits. Terms commonly run 12 to 60 months and decisions often take 4 to 12 weeks due to asset valuation and security requirements.

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 a £900k agency loan with Funding Agent

Share your agency details

Tell us about your turnover and profitability, current borrowing facilities, and how you plan to use the finance, such as hiring, refinancing, or delivery capacity for new retainers.

Match to suitable term options

We identify which lenders are likely to consider unsecured versus part-secured or asset-backed approaches based on your financials, repayment ability, and any assets or security you can offer for the £900k ticket.

Submit for underwriting

You provide the required information set. We coordinate the submission so the lender can run affordability checks and issue a decision or offer, then you progress to legal completion if accepted.