• Lending support and code

    As your business grows, it can benefit from tailored lending and guidance. We will support your business throughout the application process. We also follow lending codes and principles to ensure you’re treated fairly.

    • Our appeals process enables your business to pursue your application if you believe it has been wrongly declined or where we have agreed your request but there are conditions of sanction that you are unhappy with.
    • We subscribe to the Lending Code and Lending Principles of the Lending Standards Board. Both are designed to set good lending standards for banks, building societies and credit card providers.


    The Lending Code applies to micro-enterprises (businesses with a turnover of no more than €2million a year and with fewer than 10 employees). Click here for a guide to the Lending Code or here to download the full Lending Code.

    If your business is larger than a micro-enterprise, we follow the Lending Principles, which are a further set of standards that you can expect from us.

  • How we can help your business

    Your business can:

    • get help and information on a range of topics – from establishing a business to operating globally
    • use our finance application checklist, which details the type of information we may ask you for to support your lending application
    • try Mentor SME, a free online service that helps you locate local mentoring to suit your business needs – from start-up to succession planning
    • source other forms of lending by talking to our business management team.
  • Contact us

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    Existing customers
    0345 300 0268

    New customers
    0345 606 0286

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    More information

  • Our commitment to Scottish business

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    We're committed to helping Scottish businesses grow and develop by giving them the support they need – our Business Charter will tell you more.

    Find out more

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  • 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.

    Overdrafts are repayable on demand.