Growing Your Business

Flexible Business Loan

Apply for a Flexible Business Loan
Contact us
If you're a limited company, sole trader or partnership business, 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

Flexible Business Loans are available to existing customers with a total lending exposure above £100,000 (excluding Government Loans Schemes) or for new customers requiring lending above £100,000.

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

No requirement to open or maintain an HSBC Business Current Account unless a debenture or fixed charge over book and other debts is required

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

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

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), Secured Overnight Financing Rate (SOFR) or the cost of funds for fixed interest rate loans.

* Non-sterling currencies, 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

  • In some cases, security will be required to arrange a Flexible Business Loan
  • 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

Business banking price list (PDF,157KB)

Read a copy of our current price list

Get help choosing the right type of loan and preparing a strong application

If your lending application is declined, find out how you can appeal the decision

Find out what you can expect when you borrow from HSBC

Apply for a Flexible Business Loan

Please speak to your Relationship Manager.

Or call us on 03457 60 60 60

We’re open Monday to Friday, 8am to 8pm and Saturday, 8am to 2pm (subject to change over certain periods).

Help and support

Optimising your financial supply chain

As your international sales grow, your financial supply chain will become more complex. How can you best manage it?

Know your trading partners

Whether trading at home or overseas, it is vital to find out as much as possible about potential trading partners.

Insights

Explore our industry insights and banking capabilities in a simpler way

Need help?

Get in touch to learn more about our banking solutions