Borrowing and finance
More choice. More opportunities.
Borrowing money could be a way to help your business keep moving. Whether you need help with cash flow, or want to invest in equipment to help you grow, if you're ready to take the next step, we have options to help.
Our borrowing products are available to businesses registered and operating in the UK (no physical presence outside the UK), and have simple banking needs, up to two directors, owners, shareholders or partners.
Overdrafts
Great for quick, short-term financing
- Short-term financing to help with any unexpected costs
- Borrow from £500 up to £25,000
- Repayable on demand and reviewed annually
- Interest rate of 14.94% EAR (variable) and an annual arrangement fee of 1.75% (minimum £100)
Business Cashback Credit Card
A flexible way to manage business spending and keep your cash flow moving
- Earn 1% cashback on your day-to-day business spend
- No foreign transaction fees on stuff you buy abroad when paying in the local currency
- 23.7% APR Representative (variable). An annual fee applies
- Add extra cards for free
Business Loan
Planning the next step for your business? Our unsecured business loan could help.
- Borrow from £1,000 to £50,000
- 11.2% APR representative
- Repay over 1 to 7 years
- Overpay at no extra cost
Bounce Back Loan Scheme (BBLS)
The Bounce Back Loan Scheme (BBLS) is closed. For information on managing Pay as you grow (PAYG) options, and repaying your loan, see our Bounce Back Loan Scheme page
Tools and guides to help you borrow
Visit Santander X, our global learning platform for businesses. With free resources to help you understand your options and make informed decisions.
Fund your business
Explore the funding options available and find the right solution for your business goals.
Get ready for funding
Steps to help prepare your business before applying for finance.
Business credit score explained
Understand what affects your credit score and why it matters when borrowing.
How to create a cash flow forecast
Learn how forecasting can help you manage cash flow and improve funding readiness.