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Business BankingFinance and borrowing

From improving day-to-day cash flow to moving to new premises, we can help you achieve your business ambitions.

Small Business Loan

  • Borrow between £1,000 and £25,000
  • Repayments and interest rate fixed for the life of the loan
  • Repayment terms between 12 months and 10 years.
  • Call us on:
    0800 587 0644

Commercial Mortgage

  • Buy, extend or develop business premises
  • Tailor your commercial mortgage to your needs
  • Designed specifically for commercial owner occupation.
  • Call us on:
    0800 731 8908

Enterprise Finance Guarantee

  • A source of borrowing to help you start-up, expand or diversify your business or increase your working capital
  • Available to eligible businesses with a turnover of less than £41m and a sound business proposal
  • Lack of sufficient customer security is supported by a partial guarantee which is provided by the Government to HSBC.
  • Call us on:
    0800 0113317

Flexible Business Loan

  • Suitable for limited companies borrowing over £10,000 or sole trader and partnership businesses borrowing over £25,000
  • Select a fixed or variable rate – the choice is yours
  • Interest payable monthly or quarterly
  • Repay over periods of 12 months to 20 years.
  • HSBC current account not required
  • Call us on:
    0800 0113317

Asset Finance:
HSBC Equipment Finance

  • Fund new assets, replace old ones or expand your current business operation
  • Maintain your cash flow by structuring your capital expenditure
  • Hire Purchase, Finance Lease, Operating Lease or Asset Loan options available
  • Minimum requirement is £100,000, either as a single transaction or over the course of the year
  • Call us on:
    0800 328 1410

Partnership Capital Loan

  • Help incoming or existing partners of legal and accountancy firms fund capital contributions
  • Borrow from £25,001
  • Competitive variable or fixed interest rates agreed with each Firm.

More info

  • Call us on:
    0800 011 3367

Invoice Factoring

  • Improve your cashflow by releasing cash from your invoices
  • Get up to 90% of the invoice value by the next working day
  • Protect against late or bad payers
  • Business Invoice Factoring grows with your business - the more you sell the more funding you can generate
  • Call us on:
    0800 731 8939
  • Call us on:
    01903 205181

Invoice Discounting

  • Improve your cashflow by releasing money tied up in your invoices
  • Get up to 90% of the invoice value by the next working day
  • You retain control of your sales ledger with our confidential service
  • You can get protection against late or bad payers
  • Include your UK and export sales
  • Call us on:
    0800 731 8939

Business Overdraft

  • Easy to arrange
  • Pay interest only on what you use – calculated on a daily basis
  • Flexible borrowing to suit your circumstances.
  • Call us on:
    0800 731 8932

Interest Rate Risk Management

  • Protect the profitability of your business by managing the risks arising from adverse movements in interest rates
  • Manage your borrowing costs by fixing your interest rate with a fixed rate loan

Business Growth Fund

  • Established to help Britain's growing smaller and medium sized businesses.
  • An independent company with capital of up to £2.5 billion, backed by HSBC and four other major banks.
  • BGF invests between £2m and £10m per business in return for a minority equity stake and a seat on the board for a BGF director.

Visit www.businessgrowthfund.co.uk

The links on this page will open a new browser window and may:
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.

1This small business loan calculator is for illustration purposes only. Customers who do not meet our normal criteria may be not be offered a business loan.