A second location. A bulk inventory buy. A team you've been meaning to hire. When the plan is clear, a term loan gives you a fixed sum on a fixed schedule — no ambiguity, no moving parts, just capital you can build around.
Working capital is for the everyday and the unexpected. A term loan is for the deliberate — a project with a clear cost and a clear return, where you want the certainty of a fixed schedule you can model to the pound.
Tell us the plan and the amount, and we'll talk through what a clean, fixed structure would look like.