Term loans
Lump sums repaid over 6–36 months at one fixed rate.
✳ What it entails
Credit that respects your cash flow
From bridging a large order to fitting out a new space, Tillpoint private loans pair a clear fixed rate with repayment pauses in slow months. No compounding surprises, no early-settlement penalties.
- ✓ Decisions within 2 business days
- ✓ Fixed rates quoted up front, in writing
- ✓ Repayment holidays for seasonal businesses
Loan options
Credit lines
Draw what you need, repay, redraw — interest only on use.
Invoice advances
Unlock up to 90% of outstanding invoices within 24 hours.
Top-ups
Good repayment history unlocks larger follow-on credit.
From application to funds
1 — Tell us what you need
A five-minute form: amount, purpose and recent statements. Soft check only — no impact on your score.
2 — Get a written offer
Rate, term and total repayable in one page. What you sign is what you pay.
3 — Receive and repay
Funds land the next business day; manage everything from your Tillpoint dashboard.
