HSBC UK and the SME Finance Charter

HSBC UK is committed to working with Government through the Business Finance Council (BFC) to provide expertise and insight to ensure the industry continues to support viable SMEs.

We are committed to helping British businesses realise their ambitions for growth and navigate Brexit.

We’re open for business and ready to lend

  • Open for credit
    We have launched our largest ever SME fund of £14bn which underscores our commitment to helping British businesses realise their ambitions for growth and navigate Brexit.
  • Open for the whole of the UK
    To ensure the SME Fund reaches businesses, across the UK, the fund is split and allocated to specific regions across England, Wales, Scotland and Northern Ireland.
  • Open for new opportunities
    If you are looking to take advantage of new opportunities overseas, we have ring-fenced £2bn for international businesses.
  • Open for our farmers
    We’ve also increased the ring-fenced agriculture fund from £300m to £1bn, to assist our agriculture customers.
  • Committed to the UK
    We’ve committed more than £60 billion to UK SMEs since the launch of the SME fund in 2014.

We’ll help you prepare for Brexit and beyond

  • Preparing through conversations
    We have had more than 15,000 conversations with customers about Brexit and held more than 60 sessions across the country to talk to SMEs about the current economic landscape and how to plan for growth.
  • Preparing with Brexit drop-in sessions
    We are holding drop in sessions around the country to help SMEs manage treasury challenges, optimise working capital, and manage supply chain, FX, commodity and interest rate risks so do pop in to join us.
  • Preparing to help
    We have a dedicated Brexit website and helpline (08000 121 614) in place for customers with Brexit-related financial concerns:
  • Preparing through Relationship Management
    Your Relationship Manager can help you focus on four key areas of risk (FX, supply chain, liquidity and interest rates) in order to prompt planning in advance, and mitigation after Brexit.
  • Preparing for growth after Brexit
    As part of our Pop-Up Initiative, HSBC small business customers showcase their products or services in HSBC branches across the UK. Check out some of the success stories here.

We’ll support your application and signpost other options if needed

  • Support before applying
    You can read our Guide to Borrowing.
  • Support with applying
    We currently approve over 90% of lending applications. Where we are unable to we will signpost you to alternatives including making referrals to Government designated portals via the Bank referral scheme.

We’ll treat you fairly at all times

  • Treating you fairly
    Through our actions and behaviour, we aim to deliver fair outcomes for our customers. We are a signatory to the Standards of Lending Practice for business customers.
  • We also have existing tools available to support businesses facing challenging conditions, including repayment holidays and term extensions. These will be considered on a case-by-case basis.

We will work with the Government-owned British Business Bank to support SMEs

  • Supporting access to funding We support efforts to promote the Enterprise Finance Guarantee (EFG) scheme for customers that do not have sufficient security to support increased borrowing requests.
  • We’re working with the British Business Bank to design a series of workshops for staff focusing on the EFG and ENABLE programmes, helping to drive awareness and ensure availability in meeting customers’ needs as appropriate.

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Please be aware that the external site policies will differ from our website terms and conditions and privacy policy. The next site will open in a new browser window or tab.