^Business Loans for Horticultural Nurseries – Get Approved Now

Asset finance term loans for horticultural nurseries are advanced as a lump sum and repaid monthly over 24 to 60 months, often supported by the asset being financed. Typical amounts range from £25,000 to £500,000. Lenders review your ability to service debt from cash flow and may require ownership and collateral or detailed asset specification, with personal guarantees more common for smaller or newer nurseries. Decisions are often 1 to 3 weeks for well-evidenced applications, but can take longer if asset quotes and underwriting information need more detail.

Working capital term loans typically suit evidence of seasonal trading. Amounts commonly range from £10,000 to £250,000, with terms of 6 to 36 months. Indicative annualised rates are often around 8% to 18%+ APR, influenced by repayment length and risk. Lenders frequently assess affordability using recent bank statements and management accounts that show seasonality, rather than only historic averages. Typical decision times are about 5 to 15 working days, though applications can take longer if cash flow evidence needs deeper review.

Refinance term loans help established nurseries consolidate existing commitments, with typical amounts from £50,000 to £1,000,000. Terms are often 36 to 84 months. Indicative pricing varies, but ranges around 6% to 14%+ APR can apply where risk improves versus prior debt, depending on security, leverage, and repayment profile. Expect lenders to review current liabilities, disclosure of existing debts, and how the refinance proposal impacts affordability. Decision times are commonly 2 to 6 weeks because settlement and overall debt servicing are central to underwriting.