Fixed Rate Loan

A fixed interest rate today helps you plan for tomorrow

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)

This fixed rate loan in detail...


No early redemption charges

Make a partial or full repayment without incurring a penalty. Simple as that.

Fixed rate of interest

A fixed rate could help you plan for tomorrow, because costs won’t change throughout the term.

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).

Take a repayment holiday

You could take a repayment holiday at the start, mid-term of the loan, or during a Family First event. How flexible is that? But be aware interest will accrue during any repayment holiday, meaning it may take longer to repay the loan and cost more in the long run.


Three repayment options

Choose the repayment option that suits you best.


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

Get in touch with us today

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.

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.

Additional support for your business

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.

Something else we can help you with?