Fixed Term Loans
Business fixed term loans provide a fixed amount of money upfront, over a predetermined amount of time which allows businesses to access the funding they need without relying solely on their current cash flow.
Secured fixed term loans require collateral, such as property to secure the loan whereas unsecured fixed term loans are based on the business’s creditworthiness to repay.
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Unsecured Fixed Term Loans
An unsecured business loan doesn’t need personal collateral, unlike a secured loan. Instead, the lender considers the borrower’s creditworthiness for the loan amount and interest rate. It’s often used for short-term working capital or small business investments. Lenders may ask for a PG.
Secured Fixed Term Loans
Secured fixed-term business loans leverage collateral (e.g., property, assets) for security, lowering interest rates. They enable funding of commercial property, substantial investments, expansions, while also offering predictable repayment terms for effective cash flow management.