• Career
  • Help
Instant Access Savings

Business Loans


Whether you’re looking to expand, invest in new equipment, or borrow to manage your cash flow - our Business Loans can help you thrive.



Get a Business Loan quote for up to £25,000

See how likely you are to get a Business Loan without affecting your credit rating. View indicative interest rates and repayment details. 99% of customers who used this tool and opened the same product received an offer rate that was the same, better or no more than 10% above their indicative quote.



Borrow an amount that suits you

Choose either a fixed or variable interest rate

Flexible repayment terms, 1-25 years



Small Business Loans up to £25,000


  • 9.3% APR (variable or fixed) representative*
  • Base Rate (variable) from 10.4% APR** and Fixed Rate from 9.3% APR.
  • Existing Bank of Scotland customers can log in and apply for a loan in minutes
  • Secured and unsecured loans available 1
  • Receive funds within 48 hours of being accepted
  • Loans up to £25,000

Larger Business Loans above £25,000


  • Personalised quotation discussed after enquiry
  • Simple enquiry
  • Flexible repayment terms


Loans above £25,000


Representative Example


*9.3% APR (variable or fixed) representative 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.

APR means annual percentage rate of interest charged against your loan which is a combination of Bank of England Bank Rate (variable) or Fixed Rate Cost of Funds (fixed) and an interest margin which is fixed for the term of the loan.

**Applicable to Base Rate Loans only:

10.4% APR based on an assumed unsecured loan amount of £8,000 with 60 monthly repayments of £169.58 at an annual interest rate of 9.90% (variable). Total amount payable £10,174.80.

APR means annual percentage rate of interest charged against your loan which is a combination of Bank of England Bank Rate (variable) and an interest margin which is fixed for the term of the loan.

The representative APR is an illustration of the highest rate that we expect to offer up to 51% of successful applicants.

Applicants may receive a different rate of interest based on their individual circumstances.

Our representative APR applies to all unsecured loans with a borrowing amount of up to £25,000 and 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.

There is always the 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.