^Get Your £950k Marketing Agency Loan Today

A fixed-term unsecured term loan is a straightforward approach for agencies that can evidence stable recurring income such as retainers. Typical unsecured term lengths are commonly 24 to 60 months for higher amounts, and some lenders may extend to around 84 months depending on risk. Pricing is usually expressed as a representative APR range, commonly around 7% to 18%+ p.a., with the exact rate set after underwriting. Decision times are often about 1 to 3 weeks where documentation is ready, with the lender assessing repayment capacity and credit risk.

This variation suits agencies with multiple facilities such as overdrafts, credit cards, leasing or existing loans. Typical amounts are often around £25k to £750k, but £950k can still be possible for well-established businesses with strong repayment capacity. Terms are commonly 36 to 72 months to ease instalment pressure. Because lenders must review existing commitments and payoff mechanics, decisions often take around 2 to 4 weeks. Pricing generally sits within unsecured SME bands, commonly about 7% to 18%+ p.a., depending on the risk and affordability profile after consolidation.

An unsecured working-capital top-up focuses underwriting on how you will use the funds and whether repayments remain affordable. Typical amounts are often around £100k to £2m, so £950k may be in scope for established agencies with robust cash generation. Terms are commonly 24 to 48 months for the working-capital-focused portion. Unsecured rates vary widely with risk and are often around 8% to 17%+ p.a. in many SME cases, with final pricing set after underwriting. Initial decisions are often about 1 to 3 weeks, and can extend to around 3 to 5 weeks where additional cash-flow modelling or verification is needed.