/ Long-term loans

Long-Term Finance

Long-Term Unsecured Business Loans

Lower monthly repayments for growth, refinancing and larger projects, spread over 1 to 7 years.

Check indicative repayments

Check eligibility (soft search only)

Typical terms

1 to 7 years

Security

Personal Guarantee or Debenture

Repayments

Fixed monthly

Typical amounts

£25k to £1m

Estimate the cost

Move the sliders to see an illustration of what a long-term loan could cost.

Choose a credit profile to start from a typical range, then adjust the rate to match a quote.

Loan amount (£)Term (months)

Interest rate (%)

GoodAveragePoor

13.0%

Estimated monthly repayment

£8,423

Total repaid over term: £303,246

Illustrative repayment only. Actual offer, pricing, and fees may differ.

How it works

Worker operating machinery in a real manufacturing facility

A long-term unsecured loan spreads repayments over one to seven years, which keeps monthly payments lower and protects day-to-day cash flow.

It is built for investment that pays back over time, such as hiring, a new site, a marketing push or refinancing more expensive debt.

Because the lender takes more time-risk, they look closely at your accounts, profitability and credit profile, so a complete application helps.

Common uses

Hiring and growing your team

Opening a new site or expanding capacity

Refinancing several expensive facilities into one

Funding a longer project with a staged payback

Advantages

Lower monthly repayments than a short-term loan of the same size

Predictable fixed payments make budgeting simpler

A strong repayment record can help when you want to borrow again

Many lenders accept overpayments, and some allow early settlement. Terms differ, so we check each one.

Things to check

You pay more interest overall than on a shorter term

Some lenders charge early repayment fees on fixed terms

A director’s personal guarantee is common

Arrangement or exit fees can change the true cost

Questions about long-term loans

What can I use a long-term business loan for?

Can I make overpayments?

How is the interest rate decided?

What is a personal guarantee?

What is a debenture?

What is an early repayment charge?

Tell us what you need

Share a few details and we will come back to you, usually the same working day. There is no obligation, and we only work with UK limited companies.

Speed: The more you tell us now, the faster we can match you with lenders.

A person, not a queue: You deal with the same person from first call to funding and beyond.

inquires@ironstonecf.co.uk

Tell us what you need

Share a few details and we will come back to you, usually the same working day. There is no obligation, and we only work with UK limited companies.

Speed: The more you tell us now, the faster we can match you with lenders.

A person, not a queue: You deal with the same person from first call to funding and beyond.

inquires@ironstonecf.co.uk