HSBC BRANCHES IN LONDON

1. Brixton road (SW9 8ER)

2. Streatham Hill (SW2 4UE)
3. Gloucester Road (SW7 4SX)
4. Clapham high street (SW4 7UQ)
5. Denmark Hill (SE5 8RP)
6. Rye Lane (SE15 5ET)
7. Queen Victoria Street (EC4N 4TR)
8. Charing Cross (WC2R 0RH)
9. Gerrard Street (W1D 6HB)
10. Pall mall (SW1Y 5EY)
11. Victoria street (SW1H 0NJ)
12. Piccadilly (W1J 8EU)
13. High Holborn (WC1V 7BZ)
14. New Bond (W1S 1EA)
15. Stamford Street (PE9 2AL)
16. Tottenham court road (W1T 2AR)
17. Vauxhall Bridge (SW1V 1EJ)
18. Woburn place (WC1H 0LQ)
19. Upper Richmond road (SW15 2SH)
20. Great west road (TW5 0TB)
21. 126 Ilford High road (IG1 1DA)
22. 23 ripple road barking (IG11 7NW)
23. 118 high street north, east ham (E6 2HX)
24. 15 wellington street, Woolwich (SE18 6PH)
25. 9 market place, Romford (RM1 3AF)
26. 79 high street, Wanstead (E11 2AF)
27. High street Bromley (BR1 1HE)
28. Wallington (SM6 0NJ)
29. Sutton (SM1 1DU)
30. Croydon (CR9 2AA)
31. Beckenham (BR3 1BX)
32. Banstead (SM7 2NR)
33. Epsom (KT19 8DS)
34. Catford (SE6 4BQ)
35. Lewisham (SE13 6BE)
36. Greenwich (SE10 8NF)
37. Eltham (SE9 1TD)
Tide is the business current account designed to save small businesses time and money. You can get
a sort code and account number in as little as 5 minutes - with no monthly fees and a free Mastercard.

Product features

  No monthly fees

  Free Tide Mastercard - free purchases at home and abroad
  No credit checks when opening an account
  Attach photos and notes to your transactions
  Link up directly to your accounting software - including Xero, FreeAgent and Sage
  Apply for up to £15,000 credit through our partners, iwoca, in minutes
  Speak to our member support team 7 days a week, straight through the app

Key facts
Overdraft No
Annual turnover No Limit
Mobile app Yes
Direct debits Yes
Interest 0.00%

https://web.tide.co/sign-up?pid=BCCOM&c=BC-
Affiliate&af_channel=Affiliate&af_sub1=d4b7789d-
e36b-43c5-b053-84bd43da442f&af_sub2=web.tide.co

This account is right for you if you’re:

 The owner of a limited company and you’re the only person with significant control over it.
 Self-employed; our sole trader account is available exclusively to anyone with a Starling Bank personal
account.

Product features

  No monthly fees *If you have fewer than 10 employees and less than £1.7m in annual turnover.
Business accounts are also free for larger businesses for a limited time. Competitive fees for cash
deposits and withdrawals at the Post Office at £3 per deposit, £0.50 per withdrawal.
  Cash Welcome at over 11,500 post office branches.
  Cut down on admin: easy Xero & Freeagent integration.
  Security: Eligible deposits are protected under FSCS up to £85,000 and PRA & FCA regulated
*The small business threshold for FSCS is an annual turnover of less than £1m. FSCS does not apply
to all business types, please check the FSCS website for eligibility.
  Real time cash flow management & categorised transactions.

Key facts
Overdraft On application
Annual turnover No Limit
Mobile app Yes
Direct debits Yes
Interest 0.00%

With a Starling business overdraft you’ll get...

15% EAR : And that’s the actual rate you’ll pay. Interest is accrued daily and charged on
the 15th of the following month – and it’ll always be updated clearly in your app. 

No fees: We won't charge you an additional fee on top of the interest you pay.

Complete control: Once your overdraft is approved, you’ll be able to manage the amount
you need within that limit in the app. Back in the black? Close your overdraft at any time at
no extra cost. 

Gone over the limit?: If you go over the overdraft you’ve agreed with us, we’ll only ever
apply our standard interest rate and cap your charges at £2 for anything unauthorised.

Can borrow £10000 for up to 90  days.

Business current account

Santander believes your business deserves the best and is proud to have been awarded Best Business Current
Account Provider for the last 15 years and Business Bank of the Year for the last 3 years, by Moneyfacts.
Santander supports small-to-medium sized start-ups, with up to two directors, owners (shareholders) or partners,
which have been trading less than 12 months and are opening their first Santander Business Current Account. 

Product features

  Up to 18 months free daily banking, £7.50 monthly fee after 18 month period
  Online and Mobile Business Banking
  Free SMS and email account alerts
  Contactless payment options
  Non-standard charges apply e.g. CHAPS

Key facts
Overdraft On application
Annual No Limit
turnover
Mobile app Yes
Direct Yes
debits
Interest 0.10%
gross/AER
(variable)

1-2-3 Business current account

Product features

  Annual cashback on annual credit turnover

  Become part of 1|2|3 Business World
  Online and Mobile Business Banking
  Free SMS and email account alerts
  Contactless payment options
  Non-standard charges apply e.g. CHAPS
  Overdraft facility available
 18 months free daily banking; £5 monthly after.

Key facts
Overdraft On application
Annual turnover No Limit
Mobile app Yes
Direct debits Yes
Interest 0.10% gross/AER (variable)

Loan
What you can get
 Borrow from £2,000 up to £25,000 over 1-5 years
 Manage your monthly costs with a fixed rate

 Preferential rates for 1|2|3 Business Worldcustomers

 No arrangement fees

Eligibility
 You have any Santander business current account
 All directors, owners (shareholders) or partners of your UK-registered business are
UK residents aged 18 or over
 You have a good credit history and haven’t been declared bankrupt or had an
Individual Voluntary Arrangement in the last 6 years (either the company, directors,
owners or partners) 
  You are either a sole trader or your business is a partnership, limited liability
partnership, private limited company or a trust
 You haven't been a disqualified director or a director of a failed business within the
last 6 years
 You're able to repay your fixed loan repayments by Direct Debit
 All credit is subject to status and credit checks. We reserve the right to refuse any
application

Representative example
(1|2|3 Business World customers)

 Representative 7.9% APR
Loan amount £10,000
Interest rate 7.6% (fixed) p.a

 Term 60 months
Monthly repayment £200.99
Total amount repayable £12,059.40

Representative example
(Business Current Account customers)

 Representative 8.9% APR
Loan amount £10,000
Interest rate 8.6% (fixed) p.a

 Term 60 months
Monthly repayment £205.44
Total amount repayable £12,326.40
Overdraft
What you can get
 Business overdrafts from £500-£25,000

 Only pay interest on the amount you borrow on the days you’re overdrawn

Eligibility
 You have a Santander business current account
 Your business is registered in the UK
 All directors, owners (shareholders) or partners are aged 18 or over and UK
residents
 You’re a sole trader or your business is a partnership, limited liability partnership,
private limited company or a trust

 You haven’t been a disqualified director or a director of a failed business within the
last 6 years
  You have a good credit history and haven’t been declared bankrupt or had an
Individual Voluntary Arrangement in the last 6 years (either the company, directors,
owners or partners)

Arranged overdraft
(subject to status)

 Representative 5.75% EAR (variable)

 Annual fee 1% of the agreed overdraft (minimum fee £50)

TSB Bank

Business accounts for start-ups

Our business account for start-ups. 

 18 months free day-to-day banking

 Support from a relationship team
 Free Square Reader to take payments easily. And pay no fees on your
first £1,000 of sales
 Grow your business with specialist support from Enterprise Nation and
Funding Options
 Pay in cash and cheques at any Post Office counter - it will take an
additional day to reach us
 Manage your account online, over the phone or through our extensive
branch network

Loan

Base Rate Loan

A base rate loan is an adaptable finance option which can be tailored to meet
long or short term financial needs. The loan is linked to our Bank of England
Base Rate so the interest rate that you pay will change as the base rate
changes.
 Features and benefits
 Borrow from £25,001

 1-25 year terms available

 Capital repayment holidays may be available 

 Security may be required

 An arrangement fee will apply, up to 1.5% and dependent on the

amount you borrow**

Fixed Rate Loan

A fixed rate loan has a fixed interest rate for the whole term, so you'll know
exactly what the repayments will be each month allowing you to plan your
finances better.

Fixed rate loans are less dependent on market conditions giving you
confidence that you will be able to meet your financial obligations.

Features and benefits

 Borrow from £1,000 up to £1,000,000

 1-10 year terms available

 Repayment amount remains constant for term of the loan.

 Capital repayment holidays may be available.

 Loan available on a secured and unsecured basis.

 If you repay part or all your fixed rate** loan before the end of the
agreed term there may be a break cost***.  There is no break cost*** for base
rate linked loans.
 An arrangement fee will apply, up to 1.5%**** and dependent on the
amount you borrow.
Overdraft

Business overdrafts
Business overdraft of £7,000 over 12 months 11.36%
EAR1 representative

Annual interest rate 10.81%2

An arrangement fee, in this example £175, is taken when the overdraft is

agreed.

Please note: Borrowing is subject to status and lending criteria. The overdraft

amount and rate we offer may differ as it will depend on our assessment of
your circumstances.

Product features

  25 months' free day-to-day banking

  Easy-to-use internet banking and app
  One-to-one support from a relationship manager
  Guidance on financial management and products
  Apply online in just 15 minutes

Key facts
Overdraft On application
Annual turnover Up to £2,000,000
Mobile app Yes
Direct debits Yes
Interest 0.00%

Loans

Fixed rate Loans

Online business loan
 Our Online Business Loan application for limited companies can be completed in 10 minutes. We aim to give
you a final decision on whether you’ve been approved or not with 48 hours of applying. Qualifying criteria
applies.

 Online application takes just 10 minutes

 We aim to give you a final decision within 48 hours

 Borrow from £10,000 to £150,000 across 12 - 60 months

 No charge for lump sum repayments or early repayment in full

Representative example
6.96% APR Representative on unsecured business loans up to £25,000. The rate offered may differ
from the representative APR shown. Representative Example generated on 23/04/2019.

Loan amount:£20,000 Term time:24 Interest rate per annum Representative

months (Fixed)6.75% APR6.96% APR

Fees/Charges:£0 Total amount of Total amount

*
credit:£20,000 repayable:£21,438.91
 This fee is deducted from the
"Loan amount" to calculate
the "Total amount of credit".

Variable rate Loans

Term loan
Loans available from £1000

Tell us how you want to improve your business and we'll do our best to provide the financial support you need
to make it happen.

Representative example
9.7% APR representative on unsecured business loans up to £25,000.

Loan amount: Term time:36 Interest rate per Representative

£10,000 months annum APR9.7% APR
(Variable)9.25%
 Representative example
9.7% APR representative on unsecured business loans up to £25,000.

Fees/Charges:£0 Total amount Total amount

of credit: repayable:£11,491.20
£10,000

Loans for business

Funding help available for growth and development
You can sometimes need extra working capital to develop your business further and open up new
opportunities for growth.

Yorkshire Bank can offer a business loan which can help you do that.

The business loan offers several key features:

 Minimum loan – £25,001 – Maximum loan – £10,000,000. An arrangement fee may apply

 Option of fixed or variable interest rates or a mix of both**. If taking a fixed rate option, a fixed rate
early repayment charge may arise in the event of early repayment during the term of the fixed rate.

 Available up to 15 year term on variable rate and 5 year term on fixed rate
Terms and conditions apply. All facilities are subject to status and applicants must be aged 18 or over.

HALIFAX BUSINESS BANKING.

Benefits of business banking with Lloyds Bank and Bank of
Scotland:
 18 months free business banking for Start-Ups, or 6 months for
Switchers
 Access to your account online, in branch and over the phone
 Free text message alerts service, direct to your mobile phone
 Support from our business management team
 Access to our comprehensive guides on starting, operating or
growing a business

Lloyds bank
Current account for new businesses
Get your business off to the best possible start with our simple current account.

 18 months’ free day-to-day³ business banking¹

 Simple pricing and free electronic payments
 Dedicated support from our UK-based business management team
 Financial and digital tools for your business

Switching to Lloyds Bank

Switch to us for a simple Business Current Account that lets you focus on growing your business.

 Simple pricing and free electronic payments

 6 months’ free day-to-day³ business banking²
 A guaranteed switch in 7 working days, from when your account is opened using the
Current Account Switch Service (CASS)
 Dedicated support from our UK-based business management team.

Loan

Base Rate Loan

 Borrow from £1,000 over 1 to 25 years

 Interest rate varies with Bank of England Bank Rate
 No arrangement fees on loans up to £25,000
 No early repayment costs
 9.3% APR2 Representative5

Representative example: 9.3% APR 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%
(variable). Total amount payable £9,940.80
  Find out more

Fixed Rate Loan3

 Borrow from £1,000 to £50,000 over 1 to 10 years 

 Fixed monthly repayments 
 No arrangement fees on loans up to £25,000 
 No early repayment costs 
 9.3% APR2 Representative5 

Representative example: 9.3% APR 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

 Find out more

Commercial Fixed Rate Loan3 

 Borrow from £50,001 to £500,000 over 1 to 25 years

 Fixed monthly repayments
 An arrangement fee will apply and is related to the amount you borrow
 Capital repayment holidays4
 Interest rate can be fixed from 1 year to the full term of the loan

Any early payment made during the fixed rate period will incur a defined break cost.
Break Costs are defined at the outset of your loan, giving you certainty around the costs
involved.

Overdraft

Features and benefits

 Simple pricing 
11.02% EAR representative for unsecured overdrafts up to £25,000 
(Varies with the Bank of England Bank Rate)

 Free to set up an overdraft with a limit of £5,000 or less

If you would like an overdraft limit of £5,000+ an annual fee will apply

 Apply for a limit that suits your business 

You can have an overdraft limit from £500

 Only pay interest on the funds you use 

Set up a planned overdraft and you'll only pay interest on the funds you use
 Once approved, provides immediate access to funds 
Ensures funds are available when you need them helping you to avoid unauthorised borrowing
charges.

 Check if you're eligible to borrow for your 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 using our quote tool.

Keep in mind
 In the event of movement in the Bank of England bank rate your interest rate will move
immediately by the same amount without any prior notice to you.

 For overdrafts with a limit of more than £5,000 and up to £25,000 you’ll pay an annual
fee of 1.75%, which is related to the amount you borrow. 

 If you would like to apply for an overdraft limit of £25,000+ you will need to contact
our business management team to apply.

 If you borrow more than your planned overdraft limit, unauthorised borrowing charges
will apply.

ANNA - Business Current Account

EXCLUSIVE DEAL
 Maximum
Interest (AER)
0%
 Free Banking
Duration
6 months
 Account
Fee
£11 per month thereafter
 Overdraft
Facility : None
 Free invoicing service - ANNA can create your invoices and chase late/unpaid ones for you
 Sign-up in under 10 minutes - get your sort code and account number instantly
 24/7 UK based customer support
 Free to send and receive bank transfers
 1% cashback on qualifying card payments
 No credit checks

 HSBC - Start-up Business Account
 Maximum
Interest (AER)
0%
 Free Banking
Duration
Up to 18 months
 Account
Fee
From £5.50 per month thereafter
 Overdraft
Facility

 *Free banking for 18 months is available If you're a start-up, your projected turnover is up to
£2m, and you trade solely in the UK. 
 Business internet banking for real-time balances
 Business mobile banking to view balances and make payments on the move 
 Business Specialists available in branches across the UK to talk in detail about how we can
meet your needs 
 Tools and articles in our online Knowledge Centre to help you grow your business
 Guidance from our International Support Centre on how to start trading overseas
 Face-to-face or online Business Review to identify opportunities and help you achieve your
goals 
 *Subject to status and applicable terms and conditions

Loans

 Small Business Loans available from between £1,000 and £25,000. 7.4% APR
Representative
 Fixed monthly repayments may help to minimise the impact of a large purchase on
your day to day cash flow.
 HSBC current account not required

 Lending is subject to credit status

 No charges for additional repayments to your loan, and an option to defer your first
repayment for 3 months1
 Repayment terms of between 12 months and 10 years

Flexible Business Loan

 Suitable for limited companies, sole traders and partnership businesses borrowing
over £25,000
 Choose a fixed or variable rate of interest
 Choose to pay interest monthly or quarterly, over a repayment period of between 12
months and 20 years
 HSBC current account not required
 Interest only period of up to 24 months available, depending on the type of project
being financed. This option must be agreed at the start of the loan. Availability is subject to
status1
 Option to defer up to two monthly payments each year. This option must be agreed at
the start of the loan. Availability is subject to status1

Barclays
Our start-up account gives you a host of free tools and the support you need
to help your new business thrive – and it’s free for the first 12 months1.

9.9% APR representative on loans of £1,000 - £25,000. APR for loans

above £25,000 provided on application

What we’ll ask you:

 The amount you want to borrow (up to £25,000)
 Personal information for the key officials 
 Total business debts
 For an established business we need your annual turnover from the past 12 months
 For a start up we need your business’s annual sales forecasted turnover
 Net profit from the past trading year
To be able to borrow from us, you must:
 Be looking to borrow up to £25,000, for business purposes
 Be a sole trader, partnership, limited company, charity, club or association

business loans over £25,000

If you want to borrow more than your personal limit, or over £25,000, please call
us.

 Set your repayment term, up to 20 years

 Fixed or variable rates to choose from
 Interest-only repayments available (subject to status and application)

Overdrafts
Product level (£1,000 - £25,000) Rep EAR 12.25%

On unsecured overdrafts of
 £1,000 – £25,000

Lowest customer margin available from 5.77% over Bank of England base rate

Unsecured overdrafts available of up to £50,000

We’ve been supporting UK businesses for over 300 years, so we know how important it is to
build strong relationships. If you’ve banked with us for more than 6 months and run your
account well, you could borrow up to £50,000 unsecured on a business overdraft. It’s a bit of
help from us when you need it.

 Access to a substantial, flexible overdraft to help with your day-to-day cashflow

 Easy to arrange  
 Faster access to funds (if unsecured is approved)

Natwest

Apply for a business credit card 

You won’t pay any annual fee for the first 12 months. The annual fee is
normally £30 per card issued. You can choose to apply for the business
credit card during your bank account application.
Business credit card details

Apply for a business overdraft

Be prepared for the unexpected with a business overdraft.
Business Overdraft details

18 months free business banking

That’s right you read that correctly! There’s no annual fee.
Free business banking details

Loan
 Small Business Loan
A fast, affordable way to borrow
Fixed rate of interest
Can help you achieve your business goals
Suitable for most small to medium businesses
Borrow over 1 to 10 years
Borrow from £1,000 up to £50,000 (subject to credit approval)

Variable Rate Loan 

A loan that takes advantage of market rates
No early repayment charges
Borrow from £35,001 upwards (subject to approval)
Terms are between 3 months to 25 years
Various repayment options - repayment holidays etc. (conditions apply
and you must keep paying the interest)

Fixed Rate Loan 

Offers the certainty of fixed repayments
No product fees or early repayment charges
Terms are 3, 5, 7 or 10 years
Borrow between £35,001 to £10,000,000 (subject to approval)
Option to take repayment holidays (conditions apply and you must keep
paying the interest)

Royal bank of Scotland

Account for new businesses
For new businesses with a turnover up to £3 million, our Business Current Account includes:

 18 months’ free day-to-day³ business banking¹

  Simple pricing and free electronic payments
 Business support available by phone, in branch or through online guides

Compare our loan options:

Base Rate Loan Fixed Rate Loan¥ Commercial Fixed R

Interest 9.3% APR1 (variable) 9.3% APR1 representative**

Rate representative**
Representative example: 9.3%
APR 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%
(variable). Total amount
payable £9,940.80
Can be Fixed for peri
Representative example:
9.3% APR based on an to the full term of the
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

1 to 25 years 1 to 10 years 1 to 25 years

Loan Term

£1,000+ £1,000 - £50,000 £50,001+

Loan
Amount

Business Overdraft Pricing

 11.02% EAR representative* (varies with Bank of England Bank Rate) for unsecured
overdrafts up to £25,000.

Limit Rate Fee Other Information

£5,000
or less 9.75% per year over the Bank £10 p/m usage fee  Free to set up overdraft Facility
Limit Rate Fee Other Information

of England Rate  Only pay if you go overdrawn

£5,001 -
£25,000 9.75% per year over the Bank 1.75% Annual Fee  Only pay interest on funds you use
of England Rate

£25,001 Tailored Rates Annual Fee

+  Pricing discussed on application