Skip to content Go to accessibility help
We use cookies to keep our websites easy to use and relevant to our users’ requirements and to enable us to learn which advertisements bring users to our website. Select Accept below if you wish to proceed or How to change your cookies for instructions on how to manage your cookie settings. Find out more about our Cookie Policy.

Business borrowing options - loans, overdrafts, credit

We have a borrowing option suitable for almost any business. From long-term loans to everyday credit, we can help provide financial support for your business. All credit facilities are subject to status and eligibility. Applicants must be 18 years or over.

Please note that security may be required. Any asset used as security will be at risk if you break the agreement and may be sold to repay your debt. Property given as security, which may include your home, may be repossessed if you do not keep up repayments on your borrowing.

Fixed rate Loans

Online business loan

Our Online Business Loan application for limited companies can be completed in 10 minutes. We aim to give you a final decision on whether you’ve been approved or not with 48 hours of applying. Qualifying criteria applies.

  • Online application takes just 10 minutes
  • We aim to give you a final decision within 48 hours
  • Borrow from £10,000 to £150,000 across 12 - 60 months
  • No charge for lump sum repayments or early repayment in full

Representative example

10.2% APR Representative on unsecured business loans up to £25,000. The rate offered may differ from the representative APR shown. Representative Example generated on 05/07/2019.

Loan amount: £20,000 Term time: 24 months Interest rate per annum (Fixed) 9.75% Representative APR 10.2% APR
Fees/Charges: £0

* This fee is deducted from the "Loan amount" to calculate the "Total amount of credit".

Total amount of credit: £20,000 Total amount repayable: £22,102.49

Find out more about Flexible business loans

Variable rate Loans

Term loan

Loans available from £1000

Tell us how you want to improve your business and we'll do our best to provide the financial support you need to make it happen.

Representative example

9.7% APR representative on unsecured business loans up to £25,000.

Loan amount: £10,000 Term time: 36 months Interest rate per annum (Variable) 9.25% Representative APR 9.7% APR
Fees/Charges: £0 Total amount of credit: £10,000 Total amount repayable: £11,491.20

All loans offered are subject to status. This example is for unsecured loans of up to £25,000. The rate offered may differ from the representative APR shown.

Find out more about Flexible business loans

Flexible business loan

Redraw and flexible repayment options

Agree a repayments schedule for you, with the flexibility to overpay and redraw overpaid funds if you need to – the first two redraws are free. Available for loans over £25,000.

Find out more about Flexible business loans

Business loan

Option of fixed or variable interest or a mix of both

A structured business loan of between £25,001 and £10m to help you develop your business.

Find out more about Business loans

Enterprise Finance Guarantee

Great idea but no security? This government funding initiative may be able to help

EFG is designed to help guarantee working loans for businesses. We can help to guide you through the application process.

Find out more about Enterprise Finance Guarantees

Helping to unlock finance for smaller businesses in partnership with Yorkshire Bank

Find out moreabout British Business Bank (Link opens in a new tab)

Business Overdraft and Credit Card

Business Overdraft

Cover funding shortfalls with our business overdraft.

Find out more about Business overdraft

Business Credit Card

A simple solution for day-to-day expenses.

Find out more about Business card


Next steps

Talk to us

  • General Enquiries

    0800 032 3971

    We're here Mon-Fri 8am-6pm

  • Branch locator

    Find your nearest branch or Private Banking Centre.

    Branch Locator