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Long Term Business Loans for Trades and Contractors - Apply

Long term business loans for trades and contractors provide essential financing solutions to secure significant investments required for business growth, asset acquisition, and expansion projects. These loans enable businesses to manage substantial funding needs over an extended term, with repayment plans that alleviate cash flow pressures. Explore our competitive business loans tailored for your needs through business financing.

Business loans

Secure up to £1,000,000 in Business loans with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of Long Term Business Loans for Trades and Contractors?

The primary benefits of long term business loans include reduced monthly payments due to extended terms, facilitating larger investments without straining cash flow. Businesses can secure amounts ranging from £5,000 to £1,000,000 with interest rates between 3% and 15% APR, depending on credit profiles and security offered. Our funding solutions provide quick decisions, typically within 1 to 4 weeks. Discover how to enhance your business’s potential by visiting our trade finance options.

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Flexible repayment terms
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Access to larger funds
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Improved cash flow

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of Long Term Business Loans for Trades and Contractors?

Secured Business Loans

Secured business loans offer amounts from £25,000 to £1,000,000 with terms up to 120 months. Suitable for businesses with a solid revenue history and adequate security, these loans provide lower APR ranging from 3% to 10%. Learn more about secured loans for businesses.

Secured Business Loans

These loans are ideal for major investments such as purchasing equipment or expanding premises. The approval process involves a financial assessment, credit check, and asset valuation, typically taking 2 to 4 weeks. Businesses in construction or manufacturing frequently use these loans for critical growth. For further details, explore our business term loans.

Unsecured Business Loans

Unsecured business loans provide up to £250,000 without the need for collateral, with terms extending to 60 months. Ideal for businesses with strong credit scores, these loans incur higher interest rates from 5% to 15% APR. Learn about our offerings for quick business finance.

Unsecured Business Loans

Primarily used for working capital or inventory growth, these loans have a swift approval process, typically 1-2 weeks. Retail and tech sectors find these particularly beneficial for preparing for seasonal demands. Explore options on how to secure these funds on our loan review page.

Asset Finance

Asset finance solutions, ranging up to £500,000, are structured around the value of the business assets and typically come with interest rates between 4% and 9% APR. Check out our trade finance options.

Asset Finance

These funding models are used to purchase machinery, vehicles, or equipment essential for business operations, with application processing times spanning 2-3 weeks. Logistics and hospitality businesses often rely on this type of finance to enhance their capabilities. Discover more about these options at quick business finance.

Typical Funding Journeys on Funding Agent

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Our platform enriches your application using business data
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What is a Long Term Business Loan for Trades and Contractors?

Application Process

Long term business loans require an extensive application process involving submission of detailed business plans and comprehensive financial documents. Decisions typically occur within 1 to 4 weeks. Our streamlined application processes ensure a smooth experience with fast approvals. Begin your application by exploring our business loan applications.

Borrowing Capacity and Rates

All long term business loan processes are subject to FCA regulations, ensuring transparency in fees and rates. Compliance with these regulations is crucial and forms part of our expert service offerings, guaranteeing peace of mind when you choose our solutions. Learn more by reviewing our regulatory compliant options.

Borrowing Capacity and Rates

Your company's creditworthiness, trading history, and offered collateral determine the borrowing capacity, with loans ranging from £5,000 to £1,000,000 available. Interest rates vary from 3% to 15% APR, influenced by credit profiles and market conditions. For competitive lending terms, visit our term loans page.

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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FAQ’S

How much can I borrow for business growth?
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What are the interest rates for long term business loans?
What are the eligibility requirements for these loans?

DIVE DEEPER

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