Digital lending application
You can apply online for amounts of £25,001 and above for commercial mortgages, business loans and overdrafts.
Other funding solutions can be supported by our relationship teams – contact us here
Our product information and factsheets give more information about what we offer. They can also help you decide which lending is right for you. We don’t provide advice about our lending products. If you need guidance, we recommend getting independent advice.
Overdrafts
Overdrafts are designed to support your short term cashflow needs. They are simple, flexible and you can apply online.
Business loans
Business loans are flexible loans designed to meet the needs of your business. This is available through our online portal up to £250,000 unsecured and £2.5 million secured.
Commercial mortgages
A commercial mortgage is a secured loan that lets you buy a property for business use or unlock cash from a property you own. This is available through our online portal up to £2.5 million.
Check whether you can apply online
Before you apply online, take a quick look to make sure your business meets the criteria below.
Business & ownership
- The applicant must be a UK-based business.
- All shareholdings must be 100% UK-owned.
- The business must have no overseas subsidiaries and a maximum of one UK subsidiary.
- Eligible applicant types: Limited Companies, Sole Traders and Partnerships (up to max 5 partners).
- The business must have been trading for more than 3 years.
- The business must be VAT registered.
Financial & legal standing
- The business and its directors must have no prior failed directorships.
- Personal credit searches and company searches must be clear.
Facility requirements
- Lending must be above £25,001.
- Security and / or guarantee may be required. Any property or asset used as security may be at risk if you do not repay any debt secured on it.
- Assets must be located in the UK.
Information requirements
- 3 months bank statements
- 3 years annual accounts
- Personal ID
You may also be asked to provide additional information, such as management information, budgets and aged debtor & credit listing. Where any additional information is required, we’ll discuss this with you.
All applications are subject to passing Know Your Customer/Business checks.
If your business doesn’t meet the criteria for our online application, please get in touch with our relationship team.
Get started
Online applications for an overdraft, business loan or commercial mortgage are available through our lending portal. If you want to go ahead and apply online, click on ‘Access lending portal’ below. First time users will need to register on the portal.
Applications are subject to credit status and Terms & Conditions. The right to decline any application is reserved.
What’s next.
When you've completed your application, you will be contacted by a member of our relationship team. They’ll send you a form to complete for a statement of assets, liabilities, income and expenditure.
They'll guide you through the rest of your journey and support with any other needs you may have.