UK bank business loans
Most UK SMBs start their borrowing journey with their existing bank. Sometimes that works; often it does not. These pages explain what each major UK bank actually offers SMB borrowers, how they decide, and what to do if they decline.
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
SME business loans, working-capital facilities, asset finance, international finance for HSBC business banking 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
Bounce Back Loan repayment options and Recovery Loan Scheme participation; limited general SMB lending product compared to high-street incumbents.
Tide business loan
Tide Platform Limited
Tide is not a bank. It is a business banking platform partnered with ClearBank. Loans inside the Tide app are routed via Funding Options (now Tide-owned).
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
Established-SME challenger bank focusing on £150k-£5m commercial lending and asset finance. PRA-regulated UK bank with FSCS deposit protection on linked accounts.
Monzo Business 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 business loan
Revolut Ltd (UK e-money licence; full UK banking licence pending / partial as of April 2026)
Revolut Business is primarily a business account product. Lending offered selectively to existing customers.
FundBiz is not a high-street bank. We introduce limited-company applicants to a panel of UK SMB lenders most likely to approve, including challenger banks where they fit. How matching works.