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Funding your business

Financial support for your business

At Santander, we know that any small business needs a solid financial base, whether you're starting a new business or already up and running.

The right finance can help you make the most of growth opportunities or simply help you manage the unexpected.

So we offer a range of simple, straightforward, finance solutions and access to a range of independently written guides to help you get the right support. Plus, our Local Business Managers will be delighted to explore the right financial solution for you.

Simple finance solutions for your business

Many businesses find they need an overdraft at some point, either to ease cash flow or for short-term financing. We offer Arranged Overdrafts - reviewed annually - between £500 and £25,000 without security and from £25,000 with security.

Loans could be ideal if you're looking for funding over a longer period of time, perhaps to expand your premises or purchase new stock or equipment. We offer Unsecured Business Loans for periods of up to five years.

For other types of finance, such as leasing, HP, factoring or stock finance, your Local Business Manager can take you through your options.

Santander Business Banking provides dedicated banking services for customers with an annual turnover of up to £250,000.

Overdrafts depend on your circumstances and are repayable upon demand.

FOR SECURED OVERDRAFTS, ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS.

Independent help on getting your finance right

You might find it useful to read an independently written guide on this crucial topic. It will take you through key issues you need to consider, such as how much finance you might need and where you might get it.

How much finance do you need?

Things to consider:

  • Making a budget with realistic forecasts for your monthly sales, expenditure and cash position.
  • Working out how much money you need and when.
  • Allowing for the "what ifs" such as how much extra finance might you need if things don't go according to plan or your forecasts aren't accurate.
  • Getting your financing in place.


View our guides

Where you can get finance

This part of the guide outlines possible sources to fund your business.

  • Savings and investments: cash you've saved, investments you can sell or personal property you can mortgage.
  • Family and friends: may be willing to invest in your business.
  • Outside investors: your business may attract outside investors.
  • Trade credit: paying your suppliers after 30 to 60 days may be all you need.
  • Bank finance: may be all that a small business needs.
  • Other finance: leasing, HP, factoring, stock finance.


View our guides