FINANCE OPTIONS

^£900k Recruitment Agency Loan – Apply for Funding Today

Q: How much can a £900k recruitment agency loan cover?

Typical borrowing capacity for this type of finance can start around £150,000 and go up to about £2,000,000, depending on lender appetite. For a £900k request, lenders commonly consider trading history, profitability, cash-flow strength and collections, client concentration, credit profile, and whether the facility is secured. Invoice-led structures also rely on receivables data and performance.

Q: How long does a decision take for a £900k recruitment loan?

Indicative views can be available in 1 to 3 weeks, while full underwriting decisions commonly take 2 to 6 weeks. For receivables-linked or hybrid structures, reviews can take up to around 10 weeks because lenders typically need additional data checks. Overall timing depends on document completeness and responsiveness to lender questions.

Q: What interest rates should recruitment agencies expect?

In UK business term lending, pricing is often broadly mid-single digits to high teens per year, depending on risk and structure. Secured options are often priced lower than unsecured, but both can vary based on loan size, term, credit profile, affordability and collections behaviour. Total cost can also be affected by arrangement fees and any legal or monitoring-related charges.

Q: Which loan type fits best for a recruitment agency: secured, unsecured, or invoice-led?

Secured term loans generally suit agencies with clear repayment capacity and an option to secure against assets, often with terms of 24 to 84 months. Unsecured term loans focus on affordability rather than security, and a £900k facility is less common, sometimes with a personal guarantee. Invoice-led working capital terms are considered where lenders can monitor receivables performance, with data checks and tighter monitoring controls. The best fit depends on your cash cycle, collections pattern and available evidence.

A £900k recruitment agency loan is a business term loan designed to give your agency a fixed amount of funding, repaid in regular instalments over an agreed term. Recruitment firms typically use this type of term loans for recruitment agencies to smooth working capital, covering payroll and operating costs while waiting for client invoices. It can also fund growth plans such as hiring consultants, stepping up marketing, or investing in systems and compliance. For a requirement of this scale, lenders usually focus on trading history, cash conversion, client concentration and whether your repayment capacity is strong enough for the instalment profile.

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^Benefits for recruitment agencies seeking up to £900k

Choosing the right structure for a £900k need can make cash planning more predictable, especially for agencies with timing gaps between paying candidates and receiving client payments. Funding Agent helps you explore financing options that suit your trading and risk profile, from secured and unsecured options to invoice-linked structures. Here is what lenders often consider and how repayment mechanics and timing can help.

Payroll-ready working capital buffer

Stabler cash planning over time

Funding growth hires and campaigns

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of £900k recruitment agency loan

Secured term loan

Secured term loans can suit established recruitment agencies with strong repayment capacity and a willingness to secure the borrowing. With a £900k requirement, lenders may expect proof of income, affordability evidence, and clarity on cash flow stability.

Secured term loan

For a secured term loan, lenders typically assess trading performance and affordability, then check whether suitable assets can be used as security or supported by an asset charge. They often review accounts, management information, bank statements and recruitment-specific indicators such as client mix and receivables behaviour. Terms are commonly 24 to 84 months, with fixed or variable interest options sometimes available. Decision time for a request of this size is often 1 to 6 weeks for a full underwriting decision.

Unsecured term loan

Unsecured term loans rely more on affordability than on security. A £900k facility is possible but less common, and lenders may place greater weight on trading history, credit profile, and risk mitigation such as personal guarantees.

Unsecured term loan

With an unsecured term loan, the lender focuses on whether the business can repay based on profitability and cash generation, rather than using assets as security. Eligibility commonly includes solid historic trading or credible projections, manageable client concentration, and a credit profile that fits the lender’s policy. Typical terms are 12 to 60 months, and decision times can range from 2 to 8 weeks, depending on checks and any required guarantee arrangements. Unsecured business loans for recruitment agencies can be one route lenders consider when deciding on this kind of affordability-led approach.

Invoice-led working capital term

An invoice-led working capital term links funding availability to receivables performance. This can be a fit for agencies with strong, diversified invoice flows and a need to align cash access with collections.

Invoice-led working capital term

Invoice-led or hybrid working capital terms are sometimes structured around cash flow from invoices, with additional monitoring and controls. Lenders may request detailed receivables data, including aged receivables, client concentration and a view of expected collections. Amounts of around £100k to £1.5m are typical in this space, and £900k may be feasible where invoice flows are strong and appropriately diversified. Terms are often 6 to 36 months with periodic reviews, and decision time is frequently 2 to 10 weeks due to data checks.

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 recruitment agency loan through Funding Agent

Share your recruitment funding needs

Tell us the amount you need, for example £900k, what you want it for, and your business basics. Lenders will want to understand your revenue drivers and your current position, including how the cash cycle works in your recruitment model. Start by completing the online application form.

Match to the right lender criteria

Funding Agent reviews suitability for secured vs unsecured vs invoice-led or hybrid approaches. We then match you to lenders that can consider a facility at the required size and repayment profile, based on how your cash generation supports instalments.

Underwriting and drawdown steps

After you receive an offer, you complete due diligence and any required legal or security steps. Once any conditions are satisfied, funds can be released for your agreed use. The exact timeline depends on underwriting requirements and documentation.