CORONAVIRUS BUSINESS INTERRUPTION LOAN SCHEME (CBILS) – We work with lenders accredited by the British Business Bank to provide the CBILS UK Government backed £330BN loan scheme to small companies, as well as many other alternative providers. Apply now or call us on 0203 900 0670 to discuss your options

The smarter way to find Long Term Loans

What is a long-term loan?

Long-term business loans are tailored to provide your business with the capital it needs to sustain growth over a longer period of time.

For start-ups and SMEs, securing lending with short-term repayments can often put pressure on your early cash flow – as well as potentially capping the amount that you can affordably borrow.

Compared to short-term loans, long-term loans are usually available to a higher value and attract lower interest rates (but with repayments over a longer period of time).

There are many options available for long-term loans – meaning they can be arranged to suit the financial needs of your business. They are available as structured and unstructured loans with variable or fixed rates of interest.

Why choose a long-term loan for your business?

Long-term loans allow you to find affordable, tailored finance solutions for your business. They are particularly useful for protecting your cash flow and avoiding placing pressure on it in the early days of your business or when trading times are difficult. A long-term loan will keep your monthly repayments affordable.

Long-term loans provide you with a diverse range of business finance options, giving you access to a wide range of lenders and to a great deal of flexibility in how your finance is arranged.

Where can you find a specialist long-term lender?

At we can partner you with many long-term loan providers.

When you apply online for a loan with us, we match your business finance needs with providers who understand your sector and have plenty of insight into the help that your business requires.

What can you use a long-term loan for?

Long-term loans can be used to finance a number of things.

Some typical uses include:

  • Businesses expanding into a new service or product range
  • Businesses upgrading equipment, tools or machinery
  • Businesses hiring extra staff
  • Businesses requiring a move to a different location or the refurbishment of an existing one
  • Businesses needing working capital to tide them over

What else should you know about long-term loans?

Long-term business finance is an attractive option for growing businesses who wish to avoid the cash flow pressures that large, short-term repayments entail. They can also work well for any business looking to borrow a larger sum of money for purchasing machines or commercial property.

They offer an affordable, borrowing solution that reduces your monthly repayments by spreading them out over a lengthier stretch of time. As the payment terms are longer you may find that the interest rates on offer are more competitive than those available for shorter term finance solutions. It’s important to bear in mind, however, that you may end up paying more interest overall due to the length of the loan.

With both fixed and variable rates of interest possible to arrange, you can choose between the certainty of a fixed rate or repayments based on tracking a common national interest rate, such as the Bank of England base rate.

Medium-term loans can be repaid in monthly instalments over a period of one to five years, while long-term loans tend to range between five to 30 years.

It can be a lengthier process to be approved for a long-term loan as the application process will be more thorough. You can improve your chances of being accepted for a long-term loan by:

  • Improving your personal credit rating if your business is just starting out
  • Bringing your business credit rating up by filing your accounts before deadlines and paying invoices on time   
  • Having all the required documents to hand, including your business and personal tax returns, bank statements, financial statements and legal documents

Long-term loans are available from traditional banks as well as alternative finance providers, and you can apply to a number online today.

Business loans tailored for you

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