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Loans and finance options

Providing the finance needed to grow your business

Get new equipment. Release funds quicker. Access the support you need to grow your business. Our range of flexible business loans and financial support products could help to keep your business’ financial management as simple and fluid as possible.

Working together, we can offer you:

  • Short and long-term finance options that help you build today and prepare for the future. Subject to status.
  • Expert guidance on using finance to purchase business assets and drive sustainable growth.
  • A full range of flexible finance options designed to suit different circumstances and needs for any business.

Lending is subject to status and eligibility. Security may be required.

No arrangement fees on term loans up to £50,000

We’re committed to supporting our new and existing loyal business customers by making finance more accessible. With no arrangement fees on term loans up to £50,000, we’ll help you save money as you look towards making your vision a reality. For example, on a £50,000 term loan, you could save £1,250* on the cost of borrowing.

*This saving of £1,250 is calculated on the basis of a standard 2.5% arrangement fee being taken on a £50,000 business term loan.

All lending is subject to status. Applicants must be aged 18 or over and borrowing must be for new business purposes. Available to small business customers who have a telephone based relationship manager or account management team and have an annual turnover of up to £2m.

Terms and conditions apply. The no arrangement fees on term lending to £50,000 applies to new borrowing only for new and existing business banking customers.

Please note that security may be required. Any asset used as security will be at risk if you break the agreement and may be sold to repay your debt. Property given as security, which may include your home, may be repossessed if you do not keep up repayments on your borrowing.

Representative example

Representative 10.2% APR on unsecured term loans up to £25,000
Loan amount:
£10,000		 Term time:
36 Months		 Interest rate per annum (variable)
9.75%		 Representative APR
10.2% APR
Fees/Charges:
£0		 Total amount of credit:
£10,000		 Total amount repayable:
£11,575.21

All loans offered are subject to status. This example is for unsecured loans of up to £25,000. The rate offered may differ from the representative APR shown.

The LIBOR Interest Benchmark is ending

The Financial Conduct Authority (FCA) published an announcement on 5th March 2021 on the future cessation and loss of representativeness of LIBOR benchmarks. The FCA's announcement confirmed that all LIBOR settings will either cease to be provided by any administrator or no longer be representative:

  • Immediately after 31st December 2021, in the case of all Sterling, Euro, Swiss Franc and Japanese Yen settings, and the 1-week and 2-month US Dollar settings; and
  • Immediately after 30th June 2023, in the case of the remaining US Dollar settings

For further details, please refer to the information in our LIBOR Transition - Frequently Asked Questions, which can be found here.

UK Finance has developed a useful guide for business customers to help prepare for the cessation of LIBOR:
View Guide

Borrowing

Help accelerate growth with our flexible lending options.

Find out more about Borrowing

Commercial mortgages

Consider bringing your business plans to life with a commercial mortgage.

Find out more about commercial mortgages

Appeals

If you’ve made a lending application and been denied, you can make an appeal.

Find out more about Appeals

Standards of lending practice

We adhere to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

Find out more about Standards of lending practice

British Business Bank

Dedicated to making finance markets work better for smaller businesses across the UK in partnership with Clydesdale Bank. Visit www.british-business-bank.co.uk/

Next steps

Talk to us

You are here:  Business Banking  >  Our Products  >  Loans and Finance

You can find impartial information and guidance on money matters on the “Money advice service” website.
Clydesdale Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.