UK bank business loans
Most UK SMBs start their borrowing journey with their existing bank. Sometimes that works; often it doesn't. These pages explain what each major UK bank actually offers SMB borrowers, how they decide, and what to do if they decline. For example, see what to do when HSBC business banking declines a limited company.
Lloyds Bank business loan
Lloyds Banking Group plc
Unsecured and secured business loans up to £500k+ for existing Lloyds business banking customers.
Barclays Bank business loan
Barclays Bank plc
Business loans, overdrafts and asset finance for Barclays business banking customers.
NatWest business loan
NatWest Group plc
Business loans, overdrafts, asset finance for NatWest business banking customers.
HSBC UK business loan
HSBC UK Bank plc
HSBC business banking offers SME business loans, working-capital facilities, asset finance and international trade finance to established HSBC business account customers.
Santander UK business loan
Santander UK plc
Business loans, overdrafts, commercial mortgages and international finance for Santander business banking customers.
Metro Bank business loan
Metro Bank plc
Business loans, asset finance, commercial mortgages for Metro Bank business customers.
Starling Bank business loan
Starling Bank Limited
Business banking. Starling doesn't offer its own business loans; according to iwoca (September 2026), the loan an eligible Starling business customer sees in the app comes from iwoca.
Tide business loan
Tide Platform Limited
Tide isn't a bank. It is a business financial platform authorised by the FCA as an e-money institution, and its current and savings accounts are provided by ClearBank. Its loan marketplace is run through Funding Options, which Tide acquired in 2023.
RBS / Royal Bank of Scotland business loan
NatWest Group plc (RBS is a brand within the group)
Business loans, overdrafts and asset finance for RBS Scotland-based business banking customers. Group lending criteria mirror NatWest.
Allica Bank business loan
Allica Bank Limited
Challenger bank for established SMEs: business loans of £25,001 to £150,000, asset finance of £25k to £2.5m and commercial mortgages of £150k to £15m (Allica's own ranges). PRA-regulated UK bank with FSCS deposit protection on eligible deposits.
Monzo Business loan
Monzo Bank Limited
Monzo Business is primarily a business banking app. Limited general SMB term-loan availability; Bounce Back Loan repayment options and partner-routed lending where it exists.
Revolut Business loan
Revolut (Revolut Bank UK Ltd, a fully licensed UK bank since the PRA lifted its mobilisation restrictions, announced 11 March 2026; check whether your business account has moved to the bank or is still with the e-money entity Revolut Ltd)
Revolut Business is primarily a business account product. Lending offered selectively to existing customers.
FundBiz isn't a bank or a lender. If you send an enquiry, we pass it to a business finance broker, who will contact you about your options. How FundBiz works.