• Fixed Rate Loan

    Fix your finance to suit your budget.

    A fixed rate loan enables you to plan your finances better, as you'll know exactly what your repayments will be each month. And with a fixed interest rate for the whole term you’re less dependent on market conditions, giving you confidence that you’ll be able to meet your financial obligations.

    Key Features

    • 9.3% APR1 representative*
    • No arrangement fees for loans up to £25,000
    • Borrow between £1000 and £50,000
    • Choose a term from 1 to 10 years
    • Fixed monthly repayments
    • No early repayment costs
    • Loans available on a secured or unsecured basis

    Representative example: 9.3% APR based on an assumed unsecured loan amount of £8,000 with 60 monthly repayments of £165.68 at an annual interest rate of 8.90% (fixed). Total amount payable £9,940.80

    *The representative APR is an illustration of the rate that the majority of customers will receive. If a loan is described as having a particular representative APR, then we expect to offer that rate or better to at least 51% of the applicants we accept. Other customers may get a different rate based on their individual circumstances.

    Our representative APR applies to all unsecured loans with a borrowing amount of up to £25,000 for businesses with a turnover of up to £25 million. This figure is not necessarily the rate you will be receiving and is for illustrative purposes only.

    apply online now

    Or, you can apply by calling:

    Existing customers
    0345 300 0268

    New customers
    0345 606 0286

    Please view our finance application checklist before you apply.

  • Rates and Charges
  • Arranging your loan
  • How to apply

Rates and Charges

  • For loans above £25,000 an arrangement fee will apply and is related to the amount you choose to borrow. These terms will be discussed with you before you take out the loan.

    Amount of borrowing Arrangement fee
    Up to £25,000 £0
    £25,001 + 1.5%

Arranging your loan

  • Talk to us about your plans and we’ll let you know how much we maybe able to lend you. We’ll agree interest rates with you and let you know if we need security on your borrowing. We’ll also discuss all terms and conditions with you before you take out your loan.

    If your financing needs are more complex, we may have an alternative product that may suit your needs better.

How to apply

  • Apply online

    For our loans up to £10,000 and terms under five years, it is now quick and easy to apply. If eligible, you’ll get an approval in principal decision in minutes.

    Log in and apply now

    Apply by phone

    Existing customers
    0345 300 0268

    New customers
    0345 606 0286

    When you apply
    You will need to confirm that:

    • You are a sole trader, or a partner or director of the business
    • You are over the age of 18
    • The finance you wish to secure is for business use only.

    You’ll also need to have the following information to hand:

    • The amount of money you would like to borrow
    • The reason you want to borrow the money
    • How long you wish to take to repay the money.

    Please view our finance application checklist before you apply.

  • ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.
  • All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business. You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.


    There is always a possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan. However, if interest rates rise, a fixed rate loan will remain at the same rate.

  • 1Annual Percentage Rate (APR) is the total cost of the credit expressed as an annual percentage of the total amount of credit. It represents the actual yearly cost of credit over the loan term and includes not only the interest but also any other charges you have to pay, for example, an arrangement fee. The APR will vary depending on the loan amount and term.

  • Loan calculator

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    Calculate monthly repayments with our easy to use tool.

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  • Contact us

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    Existing customers
    0345 300 0268

    New customers
    0345 300 1319

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    More information

  • Apply online

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    For our loans up to £10,000 and terms under five years, it is now quick and easy to apply. If eligible, you’ll get an approval in principal decision in minutes.

    Log in and apply now

    Call us to talk to one of our business management team:

    Existing customers
    0345 300 0268

    New customers
    0345 606 0286

    Please view our finance application checklist before you apply.