^Business Loans for Distilleries – Apply and Get Approved Today

Secured term loans for equipment are typically designed for UK distilleries using the funds for tangible capex, such as distillation or production equipment, bottling lines, warehouse or storage improvements. Lenders commonly assess affordability first, and security is often requested, potentially through charges over assets or property where applicable. Typical amounts are £25,000 to £500,000 and terms are commonly 24 to 72 months. Decision time is often around 1 to 4 weeks, with more time for complex security and valuation checks.

Unsecured term loans for working capital are suited to distilleries that can demonstrate trading income and an operating history supported by bank statements and accounts. Security may not be required, but underwriting can be stricter because the repayment relies on sustained cash generation. Typical amounts are £10,000 to £150,000, and terms are commonly 12 to 60 months. Indicative pricing for mainstream unsecured SME term loans is often in the 8% to 20% APR range, and decision time is commonly around 1 to 3 weeks for typical cases.

This hybrid approach is often used when a distillery wants finance against specific production-line assets. Even when marketed as a term loan, eligibility is usually based on the asset being financed and the business’s ability to service repayments. Typical amounts are £50,000 to £400,000, with terms commonly 24 to 84 months. Indicative rates for such asset-linked SME lending are often around 6% to 12% APR, depending on asset risk and documentation. Decisions usually take 2 to 6 weeks, longer where asset valuation and security steps are needed.