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The guide to business borrowing

At HSBC we're keen to provide finance to businesses to support their formation and growth.

This guide is designed to help businesses prepare themselves better so they're more likely to get the finance they need - whether that's to achieve their ambitions here in the UK or in markets overseas.

It outlines the borrowing options available, gives an insight into how we work and offers guidance on putting forward stronger applications for finance. We believe it's about working together to help businesses be more successful.

Helpful links

  • Better Business Finance
    Impartial information and support to business customers looking to raise finance.
  • HSBC Lending appeal
    To appeal a lending decision, use our independently audited, declined lending appeal process.
  • Business Link
    The government's free business advice and support service.

The quick guide


Short of time? Here are some of the essentials from this guide

  • Which finance is right for you? - picking the right types of borrowing or finance could save you money, improve your cash flow and give you more flexibility.
  • Prepare your application carefully - you could improve the likelihood of getting the borrowing you want with an application that's well thought through. Use our guide to help prepare your application.
  • How what you do affects your ability to borrow - find out about the information that helps us assess requests and how what you and your business do could influences your ability to borrow.

Video case study


A good business plan can help secure finance and support. See how it's been key to the success of translation company Applied Language Solutions.

Watch the business planning video

Tools to help borrowing

Tools to help borrowing

Use these tools to help prepare your borrowing application or improve the likelihood of getting the finance you need.

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ii) Allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank plc's website.

1Microsoft ® Excel ® or equivalent spreadsheet software is required to view, edit and save this cash flow calculator.

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