Credit and lending

Get access to a range of long and short-term loans designed to meet the specific funding requirements of your business.

Use our lending and credit solutions to finance capital investments and business growth, and obtain working capital to improve your cash flow or manage day-to-day expenses more effectively.

Our specialists have a wealth of experience customising lending programmes to suit the requirements of all types and sizes of organisations.

Coronavirus Large Business Interruption Loan Scheme

The Coronavirus Large Business Interruption Loan Scheme is now closed to new applications. 

The Coronavirus Large Business Interruption Loan Scheme (CLBILS) was designed to support customers who we would have considered viable were it not for the COVID-19 pandemic and who had a borrowing need.

Features of the Scheme, at a glance:
Government guarantee which secured bank loans to viable businesses with a sound borrowing proposal. Commercial rates of interest applied Security requirements on a case by case basis1
Term between 3 months and 3 years Originally made available to businesses with an annual turnover greater than £45m. Originally available for sums between £50,000 and £200m2.

Key benefits

  1. The Government backed proposals to help businesses to get the funding required.

  2. Financial support was provided in the short-term uncertainty caused by COVID-19.

  3. Funding was available to help expand or diversify businesses.

British Business Bank

Managed by the British Business Bank on behalf of, and with the financial backing of, the Secretary of State for Business, Energy & Industrial Strategy. British Business Bank plc is a development bank wholly owned by HM Government. It is not authorised or regulated by the PRA or the FCA. Visit british-business-bank.co.uk.

British Business Bank

British Business Bank Logo

Additional Information

1 If you default on your loan, we will look to realise all other available collateral provided to support your loan before we make a demand on any personal guarantee. The maximum we would then seek to recover under any personal guarantee will be limited to 20% of the amount of your loan that remains outstanding after the proceeds of all other available collateral have been applied. Only after this will we look to realise the government guarantee to HSBC.

2 For loans up to and including £50m, dividend restrictions will apply. For loans over £50m, executive pay, dividend and share buyback restrictions will apply.

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