Lending Standards and support

As your business grows, it can benefit from tailored lending and guidance. 

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 standards 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 adhere to Standards of Lending Practice, which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.

The Standards for business customers apply to businesses/organisations, which at the point of lending;

  • Have an annual t/o of no more than £6.5m in its last financial year, and;
  • Which does not have a complex ownership structure.

To find out more you can read the statement of responsibilities, which details what’s expected of us, the lender and you the borrower.

If your business has an annual turnover of more than £6.5m, we follow the Lending Principles, which are a further set of standards that you can expect from us.

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.

Can I borrow for my business?

See how likely you are to get a Business Loan or Overdraft. View indicative interest rates and repayment details. Try different options without affecting your credit rating.

Get a quotefor a business loan or overdraft.

Our commitment to Scottish business

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

Finance selector

A useful tool to help you find out which of our finance options may be right for your business.