When your business needs a significant capital injection for expansion, acquisition, or transformation, a term loan gives you the lump sum and the repayment predictability to plan with confidence.
£50K-£5M · 1-5 Years · soft search only
A business term loan is the most straightforward finance structure: you borrow a lump sum, agree a fixed repayment schedule, and pay it back over a set period with interest. This predictability is what makes term loans ideal for major, planned investments, opening a second site, acquiring a competitor, refurbishing a facility, or hiring a team to enter a new market. You know exactly what you owe every month, which makes budgeting and cash-flow planning reliable.
Granton Hale Capital arranges term loans from £50K to £5M with repayment periods ranging from 1 to 5 years. Unlike traditional banks that require 90+ days of underwriting and mountains of paperwork, we move fast, most term loan decisions are made within 6 hours. We also look beyond your credit score, evaluating your revenue trajectory, industry dynamics, and the specific use case for the capital to build a complete picture of repayment ability.
For established businesses with at least 12 months of trading history and consistent revenue, a term loan often provides some of the most cost-effective finance available outside a traditional bank facility. And because repayment is fixed, you can calculate your exact return on investment before you even accept the offer.
Amount £50K-£5M · Term 1-5 Years
Know exactly what you owe every month for the life of the loan. No variable rates, no surprises. This makes budgeting straightforward and lets you calculate ROI before committing.
Term loans support larger capital needs, from £50K for targeted investments up to £5M for acquisitions and major expansions. The longer repayment window makes larger amounts manageable.
Consistent on-time repayment of a term loan strengthens your business credit profile, unlocking better rates and higher limits for future funding needs.
Businesses with strong revenue and 2+ years of trading history can access some of the most competitive rates in the non-bank lending market, often starting in the single digits annually.
You find the perfect acquisition target or a prime lease becomes available, but the bank needs 60-90 days to process your loan application. In competitive markets, deals do not wait for bureaucratic timelines.
Many businesses carry high-cost short-term debt from merchant cash advances or daily-payment products taken during emergencies. A term loan can consolidate that debt into a single, lower monthly repayment with a longer runway.
Going from one site to two, hiring a sales team, or launching a product line requires a significant upfront investment before revenue follows. Incremental funding does not cut it, you need the full amount to execute the plan.
Banks reject applications over a credit blemish from three years ago, even when your business turns over £200K a month. Alternative term loans evaluate the health of the business, not just the owner's personal credit file.
A dental practice generating £1.2M annually secures a £750K term loan to fit out and equip a second surgery in a neighbouring town, projecting breakeven within 14 months of opening.
A plumbing company owner acquires a retiring competitor's customer base, fleet, and employees with a £1.5M term loan, immediately doubling annual revenue from £800K to £1.6M.
A haulage firm carrying three overlapping merchant cash advances at £4,200 a day in combined payments consolidates into a single £600K term loan at £18K a month, reducing the daily burden by 85% and freeing up cash flow for fuel and maintenance.
A manufacturing company borrows £2M to add a production line and upgrade their facility, enabling them to take on a contract with a national retailer that requires 3x their current output capacity.
A logistics company takes a £400K term loan to implement a new ERP system, GPS fleet tracking, and a customer portal, removing operational inefficiencies that were costing £15K a month in lost productivity.
A commercial cleaning company secures £500K to hire 20 employees, purchase equipment, and lease warehouse space to enter a new city where they have already signed three anchor contracts.
A term loan provides a larger lump sum with a longer repayment period (1-5 years) and fixed monthly repayments, ideal for major planned investments. Working capital is typically smaller, shorter-term (3-18 months), and designed for immediate operational needs like payroll or stock. The right choice depends on how much you need, what you are using it for, and how quickly you can repay.
Most of our term loans are secured by a debenture over the business (a fixed and floating charge) rather than specific security like property or equipment. For loans above £1M, we may require additional documentation or a personal guarantee, but we work with each borrower to find a structure that makes sense for both sides.
Yes. Most of our term loan programmes allow early settlement, and many include early settlement discounts, meaning you will save on the remaining interest charges. We do not charge traditional early repayment penalties. The specific terms are clearly set out in your agreement before you sign.
We work with borrowers across the credit spectrum, but term loans generally suit businesses with at least 12 months of trading history and owners with a reasonable personal credit record. That said, strong revenue and bank deposits can offset credit limitations. Businesses with weaker credit may be better suited to our working capital or revenue-based finance products.
High-street banks can offer competitive rates but typically require extensive documentation, security, and 4-8 weeks or more of underwriting, and many strong businesses are still declined over rigid criteria. Our term loans offer competitive rates with decisions in hours, not months. For businesses that need capital within days rather than quarters, or do not fit a bank's box, our term loans are a faster, more accessible alternative.
For most term loans, we need 3-6 months of business bank statements, photo ID, and a simple one-page application. For larger amounts (£1M+), we may also request a profit and loss statement, filed accounts, and a brief description of how the capital will be used.
30-second application. No hard search. Decisions in as little as 3 hours.