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Long Term Business Loans for Wholesale - Apply Now

Long term business loans are a major financial conduit for wholesale businesses in the UK requiring capital for expansion, inventory or technology investments. These loans offer extended repayment terms, making them suitable for significant business strides. Explore invoice financing as a complementary solution to manage cash flows effectively.

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 Wholesale?

These loans allow businesses to secure essential capital while enjoying fixed interest rates that simplify budgeting. Decision processes can be prompt, depending on lender criteria. Companies can leverage substantial loans, from £10,000 up to £1 million, typically approved within weeks. Asset finance could also streamline asset purchases or upgrades efficiently.

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Cash flow support
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Easy repayment options
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SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of Long Term Business Loans for Wholesale?

Traditional Bank Loans

Traditional bank loans range from £50,000 to £500,000 over 36 to 120 months. They require good credit and substantial documentation. Utilise our loan calculator to better understand potential costs.

Traditional Bank Loans

These loans have interest rates from 3% to 7% and a decision time of 4-8 weeks. Ideal for purchasing inventory, expanding, or tech upgrades, examples include electronics wholesalers enhancing distribution. Alternative finance partners can provide diversified solutions.

Asset-Based Financing

Asset-based financing is available from £100,000 to £1 million, suited for those with significant assets. Lending lasts 36 to 84 months with rates from 5% to 12%. Discover alternative funding strategies to optimise asset management.

Asset-Based Financing

Replete with a 2-4 week decision period, this financing leverages inventory or receivables, perfect for sectors like clothing or beverage distribution. For detailed asset strategies, explore competitive financing alternatives.

Peer-to-Peer Business Loans

Offering £10,000 to £500,000 over 12 to 60 months, these loans cater to SMEs with a year of history and reasonable credit. Engage with P2P platforms for agile funding solutions.

Peer-to-Peer Business Loans

With rates from 6% to 15% and decisions in one to two weeks, these loans fit sectors pursuing product lines or online expansion. A tech distributor, for example, may swiftly bolster sales channels. See how our loans compare with top markets.

Typical Funding Journeys on Funding Agent

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Our platform enriches your application using business data
Your request is matched to suitable lenders
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What is a Long Term Business Loan for Wholesale?

Application Process

The application for these loans necessitates thorough financial documentation, credit assessments, and often collateral. Our expertise simplifies applications, speeding up decisions. Learn about our streamlined lending processes.

Factors Affecting Borrowing Capacity

All offerings comply with FCA regulations, ensuring responsible lending and transparency in fees. Collaborate with us to meet and exceed these standards effectively. Explore supportive regulatory frameworks.

Factors Affecting Borrowing Capacity

Borrowing capacity ranges from £10,000 to £1 million, influenced by revenue, credit, collateral, and sector. Competitive APRs of 3% to 15% make our offerings attractive. For personalised insights, use our mortgage calculator for clarity.

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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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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow with long term business loans?
How quickly can I get a decision on my business loan application?
What are the typical interest rates for these loans?
What are the eligibility requirements for long term business loans?

DIVE DEEPER

July 2, 2025

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Discover how UK service sectors like recruitment, marketing, and legal firms use unsecured business loans for cash flow, expansion & growth without collateral. Get insights & tips.
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Top 10 Invoice Finance Lenders in the UK

Looking for fast access to cash tied up in unpaid invoices? Discover the Top 10 Invoice Finance Lenders in the UK, including key features, funding limits, and who they’re best suited for. This guide helps UK businesses choose the right lender for smoother cash flow.
June 6, 2025

Top 13 Short-Term Business Loan Providers in the UK (2025 Comparison Guide)

Compare the top 13 short-term business loan providers in the UK for 2025. See interest rates, loan terms, funding speeds, eligibility criteria, and reviews to find the best fit for your business.

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