Most growth facilities complete within four to twelve weeks from engagement letter to drawdown. It depends on the size of the facility, how quickly the information is available, and how fast lenders respond. We'll give you a realistic timeline in the first conversation.
Typical time to funds by type of finance
- Invoice finance: 1 to 3 weeks to set up
- Term loans and revolving credit: 2 to 4 weeks
- Asset finance: 2 to 4 weeks
- Trade and stock finance: 2 to 4 weeks
- Growth Guarantee Scheme facilities: 4 to 8 weeks
- Commercial mortgages: 6 to 12 weeks
- Acquisition finance: 6 to 12 weeks
These are typical, not promises.
What speeds it up
- having up-to-date management accounts, bank statements and a forecast ready. See What documents do I need for a business growth loan?
- a clear, specific use of funds
- replying quickly when the lender asks for information
What slows it down
- valuations and legal work on secured facilities and property
- missing or out-of-date financial information
- complex group structures
Last reviewed: 8 October 2026