Business Money
® Name of lender
Business Loans
Name of loan Amount Band
Min-Max £k - £m
ALLIED IRISH BANK (GB)
BANK OF IRELAND UK BANK OF SCOTLAND BARCLAYS
Business 250 - neg 1 - 20 Neg – normally 1.5% (min £500)
Business loan 25 - neg 1 - 15
Business development Business start-up
Flexible business loan Businessloan
Treasury
Barclays select business loan Barclayloan for business
CLYDESDALE BANK
Business fixed rate Business fixed rate
Flexible business loan Business investment loan
FIRST TRUST BANK HSBC
1 - neg 1 - neg
25 - 1 1 - 25k 1m - neg 25 - 1 1 - 1
25 - 100k 100 - neg 25 - neg 25 - neg
1 - 20 1 - 20
1 - 20 1 - 10 1 - 25
1 mth-20 1 - 20
1 - 15 1 - 15 1 - 15 1 - 25
Neg
Neg Neg
Negotiation fee Neg (£50 min) Negotiation fee Negotiable Neg
Neg (min £125) Neg Neg Neg
Variable rates linked to LIBOR. Capital holiday/repayments are negotiable. Fixed or variable available. Fixed, Variable and LIBOR rates.
Fixed, Variable and LIBOR rates. Two year capital holiday available. Stage payments for advances over £25k.
Fixed and variable rates, capital repayment options available. Fixed, variable and linked rates available.
Fixed, variable and Libor rates, capital repayment and redraw options available. Fixed, variable, linked rates available. capital repayment holidays up to 3 years. Redraw option available. Fixed and variable rates available. Capital repayment holidays up to 2 years.
Initial fixed rate for up to 10 years with option for further term at fixed, else variable for the remainder. Fixed rate.
Options for payments to suit seasonal cashflow, low start, lump sum, re-draw, early repayment etc.
For financing and refinancing a business’s own trading or manufacturing premises. Variable, fixed and Libor-linked rates available.
Business neg - neg 1 - 20 1% Neg Fixed or LIBOR available.
Small business loan Flexible business
LLOYDS TSB
Base rate loan Fixed rate loan
Treasury fixed rate loan Interest rate cap Interest rate collar Euro loan USD loan
NATWEST
Small business loan Business fixed rate Commercial variable rate Commercial fixed rate Euro loan
NORTHERN BANK
Business loan variable rate Enterprise Guarantee Scheme
ROYAL BANK OF SCOTLAND
Small business loan Business fixed rate Commercial variable rate Commercial fixed rate Euro loan
SANTANDER BUSINESS BANKING
SANTANDER CORPORATE BANKING
THE CO-OPERATIVE BANK
ULSTER BANK YORKSHIRE BANK
1 - 25k (a)
1 - 500k 1 - 100k 100 - neg
100 - neg 100 - neg 100 - neg 100 - neg
1 - 25k 25 - neg neg neg
5 - neg
0 - neg 25 - 250k
Fixed rate business loan 25 - neg
1 - 25k 26 - neg neg neg
5 - neg
1 - 10 1 - 20
1 - 20 1 - 10 1 - 25 1 - 10 1 - 10 1 - 25 1 - 25
1 - 10 1 - 25 1 - 25 1 - 25 1 - 25
1 - 25 1 - 10
1 - 25
1 - 10 1 - 25 1 - 25 1 - 25 1 - 25
Small Business Loan 1 - 25k 1 - 5
£100 See key
Neg Neg Neg Neg Neg Neg Neg
None 1.50% 1.50% 1.50%
1.25% - 1.50%
0.50 – 1.75 0.50 – 1.75
Negotiable
None 1.50% 1.50% 1.50%
1.25% - 1.50% £100 Interest rate 7.9% to 19.9% depending on status and amount borrowed.
Variable, fixed (£25k+), or Libor (£100k+) rates. Paid monthly, quarterly, half-yearly or yearly. Option to defer two payments may be available in a year through term of loan on variable £25k - 250k. Optional 2 year capital holiday on loans over £25k, may be available.
Repayments monthly. Option to pay interest only for first 2 years subject to application. Repayments monthly.
Repayments monthly, semi-annual or annual. Tailor made structures available. Capped up to a maximum of 10 years, then cap is either renewed or interest protection lapses. Capped up to a maximum of 10 years, then collar is either renewed or interest protection lapses. Same criteria as GBP. Same criteria as GBP.
Fixed rate only. £1k-£15k 9.4% APR, £15,050-£25k 7.4%. 1% APR discount APR for Advantage Business. Fixed rate only.
Fixed and variable rates, capital repayment holiday available, flexible repayment arrangements. Pricing linked to NatWest euro currency base rate.
Interest only option available for up to 5 years.
Premium payable to the DBERR in respect of their quarantee – normally 2% of the outstanding balance of the loan. Enterprise Finance Guarantee elegibility criteria applies. 3 and 5 year options available. Interest only option available for up to 5 years
£1k-£15k 9.4% APR, £15,050-£25k 7.4%. 1% APR discount APR for Royalties Business. Min fixed period 1 year, max fixed period 10 years. 2 year capital holiday and bullet repayment option.
Fixed and variable rates, capital repayment holiday available, flexible repayment arrangements. Pricing linked to RBS euro currency base rate.
Fixed interest rate of 6.9% to 12.9% depending on status and amount borrowed. Business loan 100 - neg 1 - neg Negotiable Fixed, variable or libor linked.
Corporate fixed rate (small) Corporate fixed rate (medium) Business
Business development Variable rate business
Business fixed rate Business fixed rate
Flexible business loan Business investment loan
Key
2.50 - 25k 25 - 0.50
0.50 - neg
1 - 25k neg - neg
25 - 100k 100 - neg 25 - neg 25 - neg
1 - 5 2 - 10 2 - 15
1 - 5
1 - 15 1 - 15 1 - 15 1 - 25
£100 - £375
1.25% - 1.50% Neg
1% neg - neg Neg (£15 min)
Neg (min £125) Neg Neg Neg
£2.50k-£10k: 1-2 yrs - 10.55%, 3-5 yrs - 10.40%. £10k-£25k: 1-2 yrs - 9.55%, 3-5 yrs - 9.40%. £25k-£250k. 1-2 yrs - neg, 3-5 yrs neg, 6-7 yrs neg. £250k - £500k: 1-2 yrs neg, 3-5 yrs neg. 6-7 yrs neg (b). Secured or unsecured, interest options: variable, fixed, Libor or linked. capital holiday, interest only.
Fixed rate; option of deferred start and/or repayment breaks during the period of the loan. Variable rate: 0.50 + 2.00%-4.00%.
Initial fixed rate for up to 10 years with option for further term at fixed, else variable for the remainder. Fixed rate.
Options for payments to suit seasonal cashflow, low start, lump sum, re-draw, early repayment etc.
For financing and refinancing a business’s own trading or manufacturing premises. Variable, fixed and Libor-linked rates available.
HSBC fees; 1.75% (min £75) for loans up to £30k and 1.25% for loans of £30k+. (a) are indications only and may differ. Quotations are available on request. (c)
All information © Copyright Business Money Ltd 2010 12 November/December 2010 £10k – neg for limited companies, £25k – neg for sole traders and partnerships (b) pending decision re branding. The information in this table is updated every month. The Guide to Business Money Tables is on page 74 Business Money Rates shown
Term Years
Fee Comments
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