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You are on Business
Whatever your business needs to help achieve its goals, from improving cash flow to longer-term borrowing, we’re here to help.
Our pledge is to help you achieve your growth ambitions. That’s why we have continued to approve eight out of ten business loan and overdraft applications1.
Guided by their knowledge of your unique business circumstances, our Relationship Managers can approve new borrowing of up to £500k and renewal lending of up to £1m2.
Our pledge is to help you achieve your growth ambitions.
To discuss your lending needs or apply call 0345 300 0268
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When you’re looking for new business premises, talk to us. Our commercial mortgages are discounted through the Funding for Lending scheme.
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If you'd like to grow your capital or rental income by extending your property portfolio, talk to us about our buy-to-let mortgages.
The Bank of England Bank Rate is the official Bank Rate set by the Bank of England which can affect interest rates offered by Banks, Building Societies and other financial institutions. By changing the official Bank Rate, the Bank of England seeks to influence overall borrowing in the economy.
The Bank Rate has been consistently low for a number of years.
However as the UK economy improves, the Bank of England is likely to increase the official Bank Rate.
The current Bank of England Bank Rate is 0.25% (effective from 4 August 2016).
Changes in the Bank Rate could affect payments on any accounts you may hold with us, such as loans, overdrafts, commercial mortgages or deposits.
Use our “Rate change calculator” to work out how a change in Bank Rate could affect your loan repayments.
Not sure what funding options best suit your needs? Find out what the right finance options are for your business.
Launch finance selector
Improve your cashflow options. Whether you’re planning to expand or need to deal with day-to-day cashflow, we’re here to help. Our invoice Finance options mean you can release up to 90% of the value of your invoices, typically within 24 hours.
More about Invoice Financing
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.
1 8 out of 10 relates to period April 2012 to May 2015.
2 Lending discretion of Relationship Managers varies and some applications may be referred for further credit checks. All lending is subject to a satisfactory credit assessment.
3 Lloyds Banking Group had the largest SME net lending of banks participating in the Funding for Lending Scheme in 2015.
The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group can be found at www.lloydsbankinggroup.com.
4 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 level.
5 A Capped Base Rate loan is a variable rate loan where the Total Interest Rate payable will not go above a maximum level or “Capped Rate” during the Capped Rate Period. The Capped Rate Period is five (5) years, and this may be equal to or less than the full term of the loan.
6 Capital repayment holidays available in certain circumstances only.
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
Please note that any data sent via e-mail is not secure and could be read by others.
Bank of Scotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628.
We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.
The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group can be found at lloydsbankinggroup.com.
This site is intended for UK residents unless otherwise stated.
© Bank of Scotland plc 2015. All rights reserved
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If you would like to find out more about our products and services please call us on
0345 606 0286
If you have a business account with us, and would like to talk to a member of our business management team, please call
0345 300 0268
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