TERM LOANS
Predictable capital to fund your next stage of growth.
Secure commercial loans from €10,000 to €500,000 with fixed monthly repayments and decisions delivered in under 48 hours.
What is a Commercial Term Loan?
When you have a defined expansion plan, renovation project, or seasonal inventory requirement, you need reliable capital with clear repayment parameters. A commercial term loan provides an upfront lump sum of funding that your business repays over an agreed schedule—typically between 6 and 60 months—with a fixed interest rate.
Unlike high-street pillar banks that drag borrowers through weeks of branch meetings, multi-year business projections, and bureaucratic credit committees, our non-bank panel focuses on operational cash flow and trading momentum. That means faster decisions, transparent pricing, and simple digital file packaging.
Why Choose a Term Loan?
Fixed, Predictable Budgeting
Every monthly payment is locked in from day one. Your finance team or accountant knows the exact monthly cost, making long-term cash flow forecasting simple and stress-free.
Unsecured Funding Options
Traditional lenders routinely demand a first legal charge over a director's personal residence or company freehold property. Our alternative term loan partners offer unsecured facilities based on your company's trading performance and cash-flow health, keeping personal assets protected.
Bypass Multi-Week Bank Committees
While traditional banks often take 6 to 10 weeks to review small business loan applications, Nucap connects you directly to non-bank underwriting desks that issue indicative term sheets within 24 to 48 hours.
Flexible Early Settlement
Many of our approved non-bank lenders allow you to repay your facility early with zero penalties or exit charges. If cash flow accelerates ahead of plan, you can settle the balance and reduce your overall borrowing costs.
Versatile Use of Funds
Term debt gives you complete operational freedom. Use the capital for working capital buffers, acquiring stock ahead of peak trading, hiring key staff, settling tax obligations, or opening a second trading location.
Is This Right for Your Business?
Term loans are ideal for established businesses looking for stable, long-term financing without tying credit limits to customer payment delays or daily card receipts. If your business is an incorporated Irish Limited Company (LTD or DAC), has traded actively for at least 12 months, and generates a minimum of €100,000 in annual turnover, a commercial term loan provides the most direct route to structured growth capital.