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Long term business loans
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Cash flow challenge: I want to secure stable, long-term funding to support my company’s growth, investments, or expansion plans.
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Perfect for: Established SMEs and larger businesses planning for sustained growth, refinancing existing debt, or investing in new assets or infrastructure.
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Call us on 01952 956920 to speak to a real cash flow expert. We’ll help you apply for the right type of finance and make sure you get a great deal for your business.
Or click 'Boost your cash flow' below to compare providers.
Our business loan options
Pages in this SectionWhat are long term business loans?
Long term business loans provide funding over an extended repayment period typically between 5 and 30 years designed to help businesses make major investments or manage large-scale financial commitments. These loans are ideal for companies that need predictable monthly repayments and the flexibility to invest in future growth.
Common uses include business expansion, property acquisition, refinancing, or long-term asset purchases. Repayment schedules can be fixed or variable, depending on the lender and your preferred structure.
How long term business loans work
Lenders assess key financial indicators such as trading history, profitability, and cash flow to determine loan eligibility. Many secured business loans use assets like property, equipment, or land as collateral, while unsecured business loans rely on credit performance and turnover.
Repayment periods usually range between 5 and 30 years, allowing businesses to manage costs efficiently and reduce cash flow pressure. Unlike short term business loans, this loan type is centred around large scale investments over a period of time.
Advantages of long term business loans
- Predictable repayments: Fixed monthly payments make it easier to plan budgets and manage cash flow.
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Access to larger funding amounts: Longer terms enable higher borrowing limits often £100,000 to £5 million or more.
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Supports long-term investments: Ideal for funding property, equipment, or expansion projects that deliver returns over several years.
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Lower monthly cost: Extended repayment periods spread the cost of borrowing over time.
- Credit building: Consistent repayment performance helps strengthen your business’s financial profile.
Common uses of long term business loans
- Property purchases or refurbishment: Invest in owned premises to build long-term stability.
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Access to larger funding amounts: Longer terms enable higher borrowing limits often £100,000 to £5 million or more.
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Business expansion: Open new locations, launch new products, or enter new markets.
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Debt consolidation: Streamline multiple short-term debts into one manageable payment.
- Refinancing: Restructure existing loans to secure lower rates or better terms.
These loans work particularly well alongside business expansion loans, Secured business loans, or the Growth Guarantee Scheme for larger financial strategies.
How it works with Novuna Business Cash Flow
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Tell us your situation and timeline
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We compare short-term business lenders based on your needs
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You apply with full support throughout
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Access funds fast to keep your plans on track
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is a long term business loan right for you?
You need funding fast to cover short-term costs
Short term business loans provide quick access to capital to manage urgent expenses, supplier payments, or short-term cash flow gaps.
You’re waiting on incoming revenue or invoices
Ideal when your business has money due soon but needs funds immediately to keep operations running smoothly.
You want flexibility without long-term commitment
Get the finance you need for weeks or months, not years perfect for managing seasonal peaks, projects, or one-off opportunities.
If that sounds like your business, we’ll help you compare lenders and apply with confidence.
Novuna can support businesses with a range of funding challenges
I need funding without collateral
I need a loan to acquire a business
I want a loan backed by government support
I want to bridge a gap in my business finances
How we help
How Novuna helps businesses access funding fast
Tell us what you need
Start with a simple form or call - tell us your business challenge.
We compare your options
We compare multiple providers to get you a great deal.
Choose the right type of funding
Access a range of short-term funding options including loans, advances, and invoice finance.
Apply with expert support
Get help applying - with a real expert on hand throughout.
Get clear, transparent terms
No jargon, no surprises - just honest advice with no hidden fees.
Receive funding that grows with your sales
Accounts receivable factoring is a scalable solution that flexes as your turnover increases.
Why take action now
Bridge the gap before it slows you down
Fast access to finance can protect jobs, projects, and growth
Acting quickly can give you better terms and more choice
We help you avoid delays or forced decisions due to cash flow
Why choose Novuna Business Cash Flow?
Why businesses trust us with bridging loans
We're highly rated by our existing customers
"The communication and support has been outstanding. Providing me with all the information I needed regarding new clients coming onto our books. The system they use is so user friendly and the drawdown payments are very efficient in the fast moving world of temporary payroll.'
More reviewsWe're a multi-award winning business cash flow specialist
Innovation in the SME Sector 2024
Alternative SME Lender of the Year
SME Lender of the Year 2023
Best Use of Technology 2023
Best Provider 2023
What business loans looks like in your sector
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How long can a long-term business loan last?
Most long-term loans range from 5 to 30 years, depending on your borrowing amount, collateral, and credit profile.
What is the difference between short-term and long-term business loans?
Short-term loans typically last less than 12 months and are used for immediate cash flow needs, while long-term loans provide stability and higher funding over several years.
Can I repay a long-term loan early?
Many lenders allow early repayment, but some may charge fees for doing so. Speak to our experts and we will guide you through this process.
