Term loan
A lump sum repaid over a set period, often suited to a defined investment or expansion.
Funding for the next business move
Choose business finance with the whole cash flow in view.
Match the facility, repayment rhythm and security to what the money needs to accomplish—not just to the fastest approval.
Understand
Compare
Decide
Compare
Decide
Purpose and return
Connect the borrowing cost to a realistic commercial outcome and time frame.
Cash-flow fit
Align repayment frequency with the timing and variability of business income.
Security and guarantees
Know exactly which business assets or personal guarantees support the debt.
Know the structure
Common business finance options
Product names vary between providers and markets. Focus on how the finance behaves.
Model a repaymentLine of credit
A reusable limit for short-term cash-flow gaps, with interest generally charged on funds used.
Equipment finance
Funding tied to an eligible asset, with terms often aligned to its useful life.
Invoice finance
Funding linked to unpaid customer invoices, which can accelerate access to working capital.
Before you compare
Write down what “affordable” means for you.
Use a payment that still works after essential expenses and leaves a buffer. Then compare offers against the same amount and term.
Income after tax
Essential spending
Comfortable loan payment
Your comparison checklist
Look at the whole commitment.
- 1The exact business purpose and amount required
- 2Repayment coverage under a slower-sales scenario
- 3Upfront, ongoing and early-exit fees
- 4Personal guarantees and secured assets
- 5Whether the facility can scale or be repaid early
Run the numbers
Open calculator