Flexible Business Loan

If you're a limited company, sole trader or partnership business, you can choose a fixed or variable business loan with repayment terms to suit you. The Flexible Business Loan can provide funding for a range of business needs including working capital, asset purchase or business expansion plans.

At a glance

  • Suitable for limited companies, sole traders and partnership businesses borrowing over £25,000

  • Choose a fixed or variable rate of interest

  • Choose to pay interest monthly or quarterly, over a repayment period of between 12 months and 20 years

  • HSBC current account not required

  • Interest only period of up to 24 months available, depending on the type of project being financed. This option must be agreed at the start of the loan. Availability is subject to status1

  • Option to defer up to two monthly payments each year. This option must be agreed at the start of the loan. Availability is subject to status1

Apply for a Flexible Business Loan

Call us on

0800 011 3317

Lines are open 9am to 5pm, Monday to Friday, excluding bank holidays

Textphone: 18001 0800 028 3516

Interest rates

Interest rates are charged as a margin over a reference rate (for example Bank of England Base Rate or London Interbank Offered Rate (LIBOR2) or the cost of funds for fixed interest rate loans.

  • Variable rate – you pay an agreed interest rate margin, which is added to the Bank of England Base Rate or LIBOR. This allows you to benefit if interest rates fall, but could leave you exposed to increased repayments if rates rise. If the loan is repaid early, a prepayment fee may be payable.
  • Fixed rates – you have a fixed payment amount so that, no matter what happens to the Bank of England Base Rate, you can be sure of the amount of your repayments for periods of up to 10 years. If the loan is repaid early, a prepayment fee may be payable and if you repay the loan within a fixed rate period, you may also have to pay an early repayment charge.

1 Deferring repayments will increase the total interest charged and the total amount payable over the full term of the loan. Therefore, your monthly repayments will be higher to ensure your loan will be repaid by the end of the term.

2 £100k is the minimum amount available for LIBOR loans. Availability is subject to status.

Apply for a Flexible Business Loan

Call us on

0800 011 3317

Lines are open 9am to 5pm, Monday to Friday, excluding bank holidays

Textphone: 18001 0800 028 3516

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