Enquire online in just 2 minutes
Simply tell us a little about your business and we'll be in touch to talk through possible solutions tailored specifically to you.
Overlay
Fixed Rate Loan
A fixed interest rate today helps you plan for tomorrow
On this page
Our commitment to UK business means no early repayment fees.
Borrow from £25,001 up to £10m, subject to approval
Pay back at a fixed monthly payment so it's easier to manage your cash flow
No early repayment fees, giving you the flexibility to repay your loan at any time
Loan repayment terms up to 25 years
Take a repayment holiday at the start or mid-term of the loan, or during a Family First event (conditions apply and you must keep paying the interest)
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it.
This fixed rate loan in detail...
Features OpenClose
No early redemption charges
Make a partial or full repayment without incurring a penalty. Simple as that.
Borrow from £25,001 up to £10,000,000
Because of the wide range of this loan, it makes it a lot more flexible (subject to credit approval).
Terms are 3, 5, 7, 10 or 15 years
With a maximum of 25 years. The longer the term, the smaller your monthly repayments (you’ll pay more back overall though).
Benefits OpenClose
Charges OpenClose
Interest Rate
Your interest rate consists of a Fixed Core Rate and a Risk Margin.
Arrangement Fees
For our small business customers, typically those with revenue up to £2m, there’s no arrangement fee. For larger businesses, arrangement fees will vary.
Please contact us or speak to your Relationship Manager for more information.
Security Fee
Any security fee will be charged in accordance with our Security Fee tariff policy.
Useful info about our Fixed Rate Loan
Speak to our team
If you have a Relationship Manager speak to them to discuss your needs, or phone us to speak with our dedicated team.
Lines are open 9.00am – 5.30pm Monday to Friday (except public holidays).
Customers with hearing and speech impairments can contact us by using our Relay UK Service: 18001 0345 711 4477
For more information visit the accessibility page.
Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.
What we look for when lending money
Before approving your request for funding, we need assurance that you have the ability to repay and you can keep up payments over a period of time.
Funding your business
Funding is crucial for most businesses, as an initial cash injection is often needed. You need to think about how much money you'll need and what type of funding will suit you best.
Cashflow and collecting money
Good cashflow management is key to keeping a business afloat. We’ve got a seven-step guide to help you keep your cashflow nice and steady.