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Business BankingSmall Business Loan

Looking for finance? Then our Small Business Loan could be ideal to fund your longer term projects.

  • Business loans available between £1,000 and £25,000
  • Repayment terms between 12 months and 10 years
  • The interest rate and repayments are fixed for the life of the loan
  • Once agreed, funds can be credited same day
  • You can opt to defer your first repayment for three months after the funds have been credited to your account2

Extra finance to suit your business needs

  • You can choose a loan amount of between £1,000 and £25,000 over 12 months to 10 years, so it's a versatile way to fund future projects
  • Competitive £100 arrangement fee at opening.

Know where you stand

  • Fixed monthly repayments minimises the impact of large purchases on day-to-day cash flow
  • Your interest rate and repayments are fixed for the life of the loan
  • You decide what you use the loan for
  • Choose your repayments term; repayable over 12 months to 10 years
  • Track repayments and the outstanding balance using
    Business Internet Banking

Offset your interest

  • As with all business finance, your interest can be offset against tax liabilities.

Easy to arrange

  • You can apply online, by phone or in-branch and once your business loan is agreed the funds can be credited the same day.
  • The Small Business Loan is a fixed rate, fixed term loan, which provides finance for a variety of business purposes.

Loan Size

  • The minimum loan size is £1,000 and the maximum is £25,000.

Loan Term

  • Minimum 12 months and maximum 10 years.

Interest Rate

  • Rates are fixed for the term of the loan and agreed at the outset.

Arrangement Fee

  • £100.

Early-repayment charge

  • Under the Consumer Credit (Early Settlement) Regulations, if the loan is repaid early the bank is entitled to deduct interest of one calendar month & 28 days.
    This is automatically included in the calculation of the rebate of interest to give the loan settlement figure.

Important information

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Apply for Small Business Loan

Not quite what you're looking for?

  • Flexible Business Loan
    Suitable for limited companies borrowing over £10,000 or sole trader and partnership businesses borrowing over £25,001
  • Business Overdraft
    Easy to arrange, flexible borrowing to manage short term fluctuations in cash flow
  • Invoice Finance
    Free up cash from invoices and improve your cashflow
  • Enterprise Finance Guarantee
    Government-backed borrowing for businesses with a sound borrowing proposal but with a lack of adequate Bank security

Apply for a Small Business Loan

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i) Allow you to access other websites. Please read the linked websites' terms and conditions. HSBC Bank plc has no control over non-HSBC websites and is not liable for your use of them.
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.

1 Lines are open 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day). To help us continually improve our service and in the interests of security, we may monitor and/or record your telephone call.

2 Interest is charged throughout the full loan, including the deferred period if this option is taken, and any month when a repayment is not made. This means that the amount of interest paid will be higher. The three month repayment holiday must be taken at the start of the loan.

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