Small Business Loan

If you have a long-term project that needs finance, our Small Business Loan could be the ideal way to help you fund it.

At a glance

  • Small Business Loans available between £1,000 and £25,000. Once agreed, funds can be credited same day

  • Repayment terms of between 12 months and 10 years

     

     

  • Fixed monthly repayments may help to minimise the impact of a large purchase on your day to day cash flow.

  • HSBC current account not required

     

  • Option to defer your first repayment for 3 months 1

  • No charges for additional repayments to your loan

Apply for a Small Business Loan

Apply for a Small Business Loan

Do you have an HSBC Business Current Account?

You can apply now by calling:

0800 587 0644

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.

Textphone 18001 0800 028 3516

Are you new to HSBC?

Please visit your nearest branch to find out more about switching to HSBC

Find a branch

Are you a primary user of HSBC Business Internet Banking?

Log on to apply now, and get your funds the same day that your business loan is agreed.

Log on

If you would like one of our representatives to call you back, simply let us know and we will call you back at your convenience (between 9am and 5pm Monday to Friday UK time).

Request a call back

Important information
Before applying, please read the following carefully, including the 'Your Information' section in the Business Banking Terms and Conditions.

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Check your eligibility

Find out instantly if you're likely to receive the money you need


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Any questions... ...about business banking?

Ask Andrew

Key benefits

Protect your cash flow from the impact of large purchases with fixed monthly repayments

Offset the interest against your tax liabilities, as with all business finance

Take a payment holiday for the first 3 months of the loan 1

Know where you stand as your interest rate and repayments are fixed for the life of the loan

Apply however it suits you - either online, by phone or in branch

Track your repayments and the outstanding balance using Business Internet Banking

Get your funds the same day that your business loan is agreed

Rates and charges

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

Loan term
The minimum loan term is 12 months and the maximum is 10 years.

Interest rate
The interest rate is fixed for the term of the loan and agreed at the outset. Interest is charged throughout the full loan and any month when a repayment is not made.

Arrangement fee
A competitive arrangement fee of £100 is payable at the start of the loan.

3-month payment holiday
A 3-month repayment holiday is available at the start of the loan. If this option is taken, interest is charged throughout the 3-month period, meaning the amount of interest you pay will be higher.

Early repayment charge
Under the Consumer Credit (Early Settlement) Regulations, if the loan is repaid early the bank is entitled to deduct interest of 1 calendar month and 28 days. This is automatically included in the calculation of the rebate of interest to give the loan settlement figure.

Important information

1 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.

Don't have Adobe PDF Reader? Download Adobe Reader

Apply for a Small Business Loan

Check your eligibility

Find out instantly if you're likely to receive the money you need


Start now

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