Long Term Business Loans
Long term business loans for ambitious growth
Borrow over 3-25 years at lower monthly payments - compare 250+ UK lenders
Get started
Get funding in three simple steps
Check
Answer a few quick questions about your business and funding needs. No credit check required at this stage.
Chat
A dedicated Spark adviser will discuss your options and recommend the best funding structures for you.
Receive
Once approved, funds are released quickly - often within 24-48 hours of completing your application.
Intelligent Lending
Our proprietary matching platform and data infrastructure gives UK SMEs access to the right lender faster than any traditional route.
Planning for the long term?
Secured Term Loans
Property-backed loans over 5-25 years from £25,000 to £25m+. The lowest available rates for businesses with assets to offer as security.
Commercial Mortgages
Purchase commercial premises, offices, or investment property with a long term mortgage from specialist lenders.
Growth & Expansion Loans
Fund major business expansion - new locations, large capital investment, or strategic acquisitions - with structured 5-10 year facilities.
Why businesses choose us
Lower monthly costs
Spread repayments over years, not months, to protect your cash flow.
Larger amounts
Access significantly more capital than unsecured short term lending allows.
Competitive rates
Secured long term facilities offer some of the lowest business loan rates available.
250+ lenders
We compare the full market to structure the best long term facility for you.
Finance by Industry
Secured lending and bridging solutions for buy-to-let and commercial property investors.
Long Term Business Loan FAQs
A long term business loan provides capital repaid over a period of 3 years or more, often up to 25 years for property-secured facilities. Lower monthly payments make them suitable for large capital investments.
Long Term Business Loans across the UK
Spark Finance arranges long term business loans for businesses across England, Scotland, Wales and Northern Ireland. Select your nearest city for local rates and expert support.
London
South East
East of England
South West
Midlands
- Long Term Business Loans in Birmingham
- Long Term Business Loans in Coventry
- Long Term Business Loans in Wolverhampton
- Long Term Business Loans in Stoke-on-Trent
- Long Term Business Loans in Nottingham
- Long Term Business Loans in Leicester
- Long Term Business Loans in Derby
- Long Term Business Loans in Northampton
North West
Yorkshire
North East
Scotland
Northern Ireland
Available in 173 cities and towns across the UK. Contact us if your location is not listed above.
What our clients say
Don't just take our word for it. Hear from the businesses we've helped access the right finance.
SECURE YOUR FINANCE"Could not recommend Finn more highly enough. Fantastic service and communication from start to finish. Was happy to answer 100 questions and always there for any support."
James
Verified Trustpilot Reviewer
"Charlie was amazing throughout the entire process! He responded quickly to all our queries and kept us informed every step of the way. His support and dedication made the experience smooth and stress-free. Highly recommend working with him!"
Sarah T.
Verified Trustpilot Reviewer
Business finance resources
14 MIN READThe Complete Guide to Asset Finance for UK Businesses (2026)
Everything UK business owners need to know about asset finance: how hire purchase, finance lease and operating...
READ MORE
15 MIN READThe Complete Guide to Business Loans for UK Companies (2026)
A plain-English guide to UK business loans: the difference between secured and unsecured lending, what rates t...
READ MORE
13 MIN READThe Complete Guide to Bridging Loans for UK Businesses (2026)
How bridging loans work, when to use one, what they cost and how to find the right exit strategy. Covers resid...
READ MORE