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Fixed-Term Business Loans
Fast, Predictable, Longer-Term Funding
Need fast funding you can plan around?
When revenue’s delayed but your plans can’t wait, a fixed-term loan gives you clarity, confidence, and cash in hand. No dilution. No surprises. Just straightforward capital.
Find your funding
Quick Snapshot
Borrowing range
£50,000 – £1,000,000 unsecured
£1m+ if secured
Security
PGs for unsecured; assets for secured
Term
6 – 72 months
Typical APR
6% – 21%
Time to fund
Unsecured 24 hours - 2 weeks
Secured 1 - 6 weeks
What Is a Fixed-Term Business Loan?
A fixed-term loan gives your business immediate capital, repaid in predictable monthly instalments. It converts future cash flow into action today.
You might use it to:
- Clear a looming VAT or tax bill
- Hire ahead of revenue
- Fit out a second site
- Buy a competitor
- A lot more!
Why Businesses Choose Risecap
Is it right for me?
Freqently asked questions
Loans under £250k can be approved in as little as 24 hours with the right docs. Above £250k within a few days
Yes for unsecured loans. We can arrange PG insurance if needed.
Yes. Many lenders allow early repayment with no penalties.
Usually not. We’ll review any bank covenants to make sure.
- Latest filed accounts
- Year-to-date management accounts
- 6 months of business bank statements
- Use of funds summary
How the funding process works
Apply Online or book a quick call
Complete our quick Funding Finder form or call straight through.
Submit docs (we can help prep them)
Our AI matching engine surfaces your best lending options
Offers in 24–48 hours
Funds land within 1-5 working days, with real-time tracking inside your Risecap portal.
Ready to Access Predictable, No-Nonsense Business Funding?
Find Your Funding