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Working capital term loans are typically used for front-loaded job costs and day-to-day pressures, such as funding materials and labour for new jobs, paying subcontractors, or bridging a cash flow gap between starting work and receiving payment. Typical amounts are usually £10,000 to £150,000, and terms are commonly 24 to 60 months. Initial decisions are often reached in a few days to a couple of weeks, depending on the evidence requested.

These loans can be suitable when you are upgrading or replacing equipment to increase capacity and reduce delays caused by under-capacity or outdated plant. Typical amounts can range from £25,000 to £500,000+, with terms often 36 to 84 months. Representative pricing for UK SMEs is commonly around 6% to 14% APR, reflecting the benefit of security. Equipment finance decision times can be longer, often 1 to 4 weeks, because lenders may need asset documentation and valuation checks.

Invoice-linked term loans can help roofing contractors bridge longer settlement terms on larger projects, fund materials ahead of invoice settlement, or smooth cash flow during payment delays. Typical amounts are commonly £15,000 to £250,000, and terms are often 12 to 36 months. Representative rates may sit around 9% to 20% APR, depending on how much lender risk is reduced through invoice monitoring. Initial decisions are often 1 to 3 weeks, with instalments set to provide structure. invoice financing is one way lenders structure this type of support.