Term Loans

Term Loans (Secured & Unsecured)

Term Loans provide businesses with a lump sum of funding that is repaid over a fixed period through regular instalments. They are commonly used to support growth, refinance existing debt, invest in assets, or strengthen working capital.

Term Loans can be structured as secured or unsecured, depending on the size of the loan, business profile, and available security. Secured Term Loans are typically backed by property or business assets and often offer lower interest rates and longer terms. Unsecured Term Loans do not require fixed asset security, making them suitable for smaller funding requirements or businesses seeking faster access to capital.

As independent commercial finance brokers, we work with a broad panel of lenders to source competitive Term Loan solutions tailored to your business, sector, and financial objectives.

Key Benefits of Term Loans

Predictable Repayments

Fixed repayment schedules make budgeting and cash flow planning easier.

Flexible Use of Funds

Suitable for growth, acquisitions, refinancing, working capital, or investment.

Secured & Unsecured Options

Access funding with or without property or asset security.

Competitive Interest Rates

Secured loans typically offer lower rates, while unsecured loans provide speed and simplicity.

Fixed Loan Term

Clear start and end date with no reliance on ongoing facilities like overdrafts.

Supports Long-Term Planning

Ideal for strategic investments and medium-to-long-term business goals.

Wide Range of Loan Sizes

Available for small funding needs through to larger, multi-year facilities.

Broker-Led Market Access

We source and negotiate terms from multiple lenders to secure the most suitable option.