FINANCE OPTIONS

^Long Term Business Loans for Wholesalers and Distributors

Q: How much can I borrow with a long term business loan?

You can borrow between £10,000 and £1,000,000, depending on your business credit score, asset value, and the type of loan chosen. We can assist you with these options.

Q: How quickly can I get a decision on my loan application?

Initial decisions can take as little as 2 days for unsecured loans and up to 2 weeks for secured or asset loans. Our streamlined process helps facilitate speedy approvals.

Q: What are the typical interest rates for these loans?

Interest rates vary from 2% to 35% APR, depending on the loan type, creditworthiness, and collateral provided. Detailed rate options are available through our services.

Q: What are the eligibility criteria for long term business loans?

Eligibility generally requires a good credit score, established trading history, and for secured loans, available collateral such as property. Our team can guide you through the process.

Long term business loans offer UK wholesalers and distributors the capital needed for significant investments, such as inventory management and expansion projects. Designed for SMEs seeking growth, these loans range from several years to over a decade, providing flexible financial solutions. Learn more about the potential benefits of business loans available to enhance your operations.

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What are the ^benefits of Long Term Business Loans for Wholesalers and Distributors?

The advantages of long term business loans include substantial borrowing power, tax-deductible interest payments, and funds adaptable for various business needs. Wholesalers can access amounts from £10,000 to £1,000,000, with interest rates between 2% to 35% APR. Fast approval processes ensure funds can be available swiftly, especially critical for maintaining cash flow. Discover how business loans can support your growth strategy.

Improves cash flow

Flexible repayment terms

Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Long Term Business Loans for Wholesalers and Distributors?

Secured Business Loan

Secured business loans, requiring collateral, offer amounts from £50,000 to £1,000,000. With lending terms of 12 to 120 months, these loans are ideal for purchasing inventory or expanding facilities. Learn more through our business loans guide.

Secured Business Loan

With secured business loans, leveraging assets like property is essential to qualify. Offering a 2% to 15% APR, these loans have decision times of 1 to 2 weeks, suitable for large equipment purchases. A wholesaler of consumer electronics might finance a new warehouse through this option. Explore the benefits and application details on our business loans page.

Unsecured Business Loan

Unsecured loans, which don't require physical collateral, provide £10,000 to £250,000 for terms between 12 to 60 months. Ideal for working capital and marketing needs, consider our unsecured loan options.

Unsecured Business Loan

These loans cater to businesses with good credit but no assets to pledge. Interest rates range between 6% and 35% APR, with quick decision times of 2 to 5 days. A distributor might use unsecured loans to enter new markets. For comprehensive details, visit our unsecured business loans section.

Asset Financing

Asset financing suits businesses purchasing high-value assets. Loan amounts from £10,000 to £500,000 over 12 to 84 months are available. For more insights, check out our asset finance solutions.

Asset Financing

Optimizing cash flow while acquiring equipment, asset financing requires a successful cash flow history. Typical APRs range from 3% to 18%, with funding decided within 1 to 2 weeks. Whether acquiring delivery vehicles or machinery, our asset financing guide offers more details.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

Get Your Long-Term Loan

Submit Financials

Provide business financial details and desired loan amount.

Compare Lenders

We match you with suitable lenders based on your sector and needs.

Secure Funding

Choose the best loan offer and receive funds directly into your account.

Get Funding For your business

Generate offers

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.

FAQ’S

How much can I borrow with a long term business loan?

How quickly can I get a decision on my loan application?

What are the typical interest rates for these loans?

What are the eligibility criteria for long term business loans?

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Learn how to boost your UK business loan approval odds. Match the right product to your needs, prove affordability, prepare a complete document pack, and respond fast during underwriting.

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^Long Term Business Loans for Wholesalers and Distributors

What are the ^benefits of Long Term Business Loans for Wholesalers and Distributors?

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Long Term Business Loans for Wholesalers and Distributors?

Secured Business Loan

Secured Business Loan

Unsecured Business Loan

Unsecured Business Loan

Asset Financing

Asset Financing

Typical Funding Journeys on Funding Agent