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

  • £25,001 minimum loan amount – with no maximum limit

  • Select a variable1 or fixed2 rate with monthly or quarterly repayments

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

  • HSBC current account not required

  • Optional capital repayment holiday for all, or part, of the first 24 months3

  • Variable rates can track the Bank of England Base Rate4, and near Risk Free Rate (RFR) such as SONIA, SOFR, TONAR and SARON5.

Apply for a Flexible Business Loan

Call us on

0800 011 3317

Lines are open 9am to 5pm, Monday to Friday, excluding bank holidays. To help us continually improve our service and in the interests of security, we may monitor and/or record your telephone call.

Interest rates

Interest rates are charged as a margin over a currency reference rate (for example Bank of England Base Rate, near Risk Free Rates (RFRs) such as Sterling Overnight Index Average (SONIA) or the cost of funds for fixed interest rate loans.

  • Variable rate1 – you pay an agreed interest rate margin, which is added to reference rates such as the Bank of England Base Rate or a RFR. This allows you to benefit if interest rates fall, but could leave you exposed to increased repayments if rates rise.
  • Fixed rate2 – you have a fixed payment amount so you can be sure of the amount of your repayments for the fixed term.

* Non-sterling currencies and Risk Free Rate (RFR) linked facilities, such as SONIA, SOFR, TONAR or SARON are subject to eligibility criteria and only available to businesses with turnover of £25m or above. Contact your relationship manager for further information.

Important information

1 If the loan is repaid early, a prepayment fee will be payable.

2 If the loan is repaid early, a prepayment fee will be payable and if you prepay the loan within a fixed rate period, you will also have to pay a fixed rate break fee.

3 Deferring capital repayments will increase the total interest charged and therefore the total amount payable over the full term of the loan. Following a capital repayment holiday, your repayments will be higher to ensure your loan will be repaid by the end of the term. Not available for fixed rate loans.

4 Variable debit interest is payable on your loan and tracks the Bank of England Base Rate. If the Bank of England Base Rate falls below zero, we will treat it as zero.

5 £1m is the minimum amount available for variable, non-sterling currencies and RFR linked loans. Availability is subject to eligibility criteria and only available to businesses with turnover of £25m or above. If the RFR for any day for any interest period is less than zero, the RFR for that period shall be deemed to be zero.

Apply for a Flexible Business Loan

Call us on

0800 011 3317

Lines are open 9am to 5pm, Monday to Friday, excluding bank holidays. To help us continually improve our service and in the interests of security, we may monitor and/or record your telephone call.

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