Business loans

Help boost your business with secured or unsecured loans

If it’s right for your business, you could borrow up to £100,000 unsecured – ideal if you’re looking to expand, invest in your business, or borrow working capital. Secured loans are also available over £25,000.

9.9% APR representative on loans of £1,000 - £25,000.
APR for loans above £25,000 provided on application

Seize the day – borrow up to £100,000 unsecured*

When you bank with us and as we get to know your business, we’ll give you a provisional borrowing limit, which we’ll update daily.

If a business opportunity presents itself but you need a substantial cash injection to take it up, we’re ready to help you explore if it’s right for your business.

Apply for an unsecured business loan of up to £100,000 and, if approved, you’ll usually have the money within 48 hours of signing the paperwork¹, giving you the certainty and confidence you need to take your business to the next level.

If you need less than £25,000, and already have a provisional borrowing limit, once your application is accepted, the money is usually in your account in 24 hours.

*Not available for all industries and subject to normal lending assessment, status and application. Terms and conditions apply.

Flexible borrowing for your business

Whether your business is expanding or getting off the ground, we can help you plan for future success.

Business loans up to £25,000

Apply for this unsecured loan if you need a quick and straightforward way to finance your business.

Fixed interest rates

No need to worry about sudden changes in interest rates. We'll give you a fixed rate for the life of the loan.

Flexible terms available

Spread repayments of your loan from 1 to 10 years³.

Repayment holiday

Option to have a 6-month repayment holiday at the beginning of your loan⁴ (subject to application).

Amount

Term

Months

mths 0

Monthly repayment

The same every month

Total amount payable

Loan required

APR

Based on the details you entered

Representative example

APR Representative
based on a loan of
repayable over months
at an interest rate of
pa (fixed).
Monthly repayment of .
Total amount payable .

Representative APR applies to loans of

APR means annual percentage rate of charge. It is an illustrative rate that lets you to make comparisons against other products. It reflects the annual cost of credit, taking into account the rate of interest and any fees charged for taking out the loan.

Representative Annual Percentage Rate (representative APR) means the highest rate we expect that at least 51% of customers to get, when entering into a loan agreement in response to an advert. It is based on our reasonable expectations of what customers are likely to receive, taking into account the APRs of past agreements.

This calculator is just an indication of what your loan or overdraft could cost. You can get a business lending quote now, with no impact on your credit score – simply select the ‘See if you’re eligible’ button.

See if you're eligible

Business loans over £25,000

Apply for this secured loan if you need a larger amount of finance and flexible repayment options. Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your loan.

Choose fixed or variable rate

Fixed interest rates available from 1to 10 years⁵.

Borrow over a longer time

Choose a repayment period from 1 to 20 years.

Capital repayment holiday

Option to take an interest-only period of up to 12 months.

How to apply?

If you’re ready to apply, we’ll need some information about you and your business, such as

Your trading accounts, business plan and details of profits and loss
Details about how you’re planning to use the loan

We’ll try to give you a full decision within a few days but sometimes, we may need a little more information from you. If we do, we’ll get in touch.

Our loans aren’t available for all industries and are subject to normal lending assessment, status and application. Terms and conditions apply.

Want to check your eligibility before you apply?

In many cases, we can let you know upfront whether you’re likely to get the business lending you want – with no impact on your credit rating. If you already have a business account with us, you can log in see any business lending limits you have.

If you don’t bank with us, or can’t access Online Banking, please take a look below.

Business loans

9.9% APR representative on loans of £1,000 - £25,000.
APR for loans above £25,000 provided on application

Seize the day – borrow up to £100,000 unsecured*

Flexible borrowing for your business