^Growth Guarantee Scheme for 3PL Providers – Apply Now

Secured business loans provide substantial funding ranging from £25,000 to £5 million with extended repayment periods of 12 to 120 months, making them suitable for major capital investments. Interest rates typically range from 3% to 8% APR based on creditworthiness and collateral value, with decision times of 2 to 4 weeks. The application process requires completion of forms with financial statements and asset valuations, followed by lender evaluation of the application, collateral, and business plan. A typical sector example would be a 3PL company expanding operations to cater to retail firms during peak seasons, requiring significant warehouse space and additional vehicles.

Unsecured business loans provide flexible funding from £10,000 to £500,000 with terms of 12 to 60 months, ideal for businesses with strong credit profiles but limited assets for collateral. Interest rates range from 6% to 15% APR depending on credit score and business performance, with faster decision times of 1 to 2 weeks. The application process involves submitting business proposals, financial forecasts, and recent financial accounts for evaluation. A typical sector example would be a logistics startup securing funds to meet increased demand from technology companies, requiring working capital for rapid scaling without substantial asset backing.

Invoice financing offers immediate cash flow solutions with advances up to 85% of invoice value, revolving based on invoice terms rather than fixed monthly repayments. Interest rates typically range from 1% to 3% per month on advanced funds, with exceptionally fast decision times of 2 to 5 days. The application process involves submitting outstanding invoices, with the financier advancing a portion of the invoice amount to provide immediate working capital. A typical sector example would be a 3PL provider managing cash flow for contracts with large manufacturing firms, where extended payment terms create working capital challenges that invoice financing can effectively resolve.