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Business loans & finance

From time to time many businesses need a helping hand to reach their goals. Whether it’s to enhance your day-to-day cashflow or longer-term borrowing, Bank of Scotland offers a range of flexible finance options for business.

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.

Business loans and overdrafts to suit your business

Bank of Scotland Funding for Lending

As part of Bank of Scotland’s participation in the Funding for Lending Scheme, we have reduced the interest rate by 1% on all approved business loan, commercial mortgage and hire purchase applications received after the 10th September 2012.

Business loans

Ready to take your business to the next level? Bank of Scotland offers a wide range of business loans that could help support your goals.

More on Funding for Lending

More on business loans

Commercial mortgage

Found the perfect new premises for your business? Talk to Bank of Scotland about a commercial mortgage. Whether you’re buying, refurbishing or investing in property we’re with you all the way.

Business overdraft

In business it pays to be prepared and ready to deal with the unexpected. A business overdraft can help ensure that you have funds in place should you need them.

More on commercial mortgages

More on business overdrafts

Other financing options

Invoice finance (Factoring and Invoice Discounting)

Don’t let slow paying customers hold your business back.

Hire Purchase and Leasing

If a conventional loan isn’t right for your business needs, we offer a range of alternative ways to finance certain business needs.

More on invoice finance

More on Hire Purchase and Leasing

Enterprise Finance Guarantee

A government initiative to help small businesses with a workable business proposition, but lacking sufficient security to secure new lending or free up existing overdraft facilities.

Contract hire

More and more companies find that contract hire can be a cost effective way of managing company vehicles.

More on Enterprise Finance Guarantee

More on contract hire

This site is intended for UK residents unless otherwise stated. Bank of Scotland plc. Registered in Scotland No. SC327000. Authorised and regulated by the Financial Services Authority under number 169628. © Bank of Scotland plc 2010. All rights reserved.

Bank of Scotland plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes' eligibility criteria not all Bank of Scotland business customers will be covered by these schemes.)

Licensed under the Consumer Credit Act 1974 by the Office of Fair Trading under licence number 0593292.

We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.

The Lloyds Banking Group includes Bank of Scotland plc and a number of other companies using brands including Lloyds TSB, Halifax and Bank of Scotland, and their associated companies.

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