Following best practice.
We subscribe to the Lending Code, which sets standards of good lending practice for banks, building societies and credit card providers. These standards apply to micro-enterprises (businesses with a turnover of no more than €2m a year and with fewer than 10 employees).
A Guide to the Lending Code can be found here. You can also download the full Lending Code at www.lendingstandardsboard.org.uk.
For businesses that are larger than micro-enterprises, we follow the Lending Principles, which are a further set of standards that you can expect from us.