To apply, you'll need to be 18 or over and an owner or director of the business. The business must be registered and trading in the Channel Islands, Isle of Man or Gibraltar, and at least one controlling party must be resident in one of these locations. Finance is subject to status. Security may be required. Product fees may apply. Business use only.
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Lending solutions that support your business
Every business needs a bit of extra backing now and then. Our lending options could help you stay on track with support that’s there when you need it most.
Our lending options include:
- Term Loans – tailored funding for assets or investments, repaid over an agreed timeframe.
- Revolving Credit Facilities – flexible lines of credit that give you access to funds as your needs change.
- Overdrafts – committed overdrafts designed to support seasonal or cyclical cashflow.
- Trade and Guarantee solutions – including Guarantees and Standby Letters of Credit, giving you added support and reassurance when dealing with suppliers and contracts.
Term Loans
A Term Loan gives you structured funding for assets or investments, repaid over an agreed timeframe.
- Buy new assets, from machinery to vehicles or technology
- Support strategic investments, including property purchases
- Strengthen day‑to‑day operations with committed funding
Flexible funding that helps you move forward with confidence, knowing your costs and repayments upfront.
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Revolving Credit Facilities
A Revolving Credit Facility (RCF) gives you flexible access to funds as your needs change, without having to reapply for finance each time.
- Draw down and repay funds as often as you need, within agreed limits
- Smooth out cyclical or seasonal cashflow
- Cut down on admin, with one facility covering repeated borrowing
It's designed for businesses that experience peaks and troughs in revenue and want a simple way to stay in control of cashflow.
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Overdrafts
An overdraft can give your business room to operate when cashflow is tight or unpredictable.
- Manage short‑term working capital when cashflow moves up and down
- Cover everyday expenses during busy or unpredictable periods
- Handle unexpected costs quickly, without arranging new borrowing
It’s a straightforward option that helps keep your business running smoothly.
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Trade and Guarantee solutions
Our trade and guarantee solutions help give you and your partners confidence when you're working across supply chains, contracts or new markets.
- Reassure suppliers and counterparties that payments or obligations will be met
- Smooth trade and contract negotiations, both in the UK and overseas
- Reduce pressure on cashflow, without committing working capital
It's practical support that helps you keep things moving, especially when certainty and trust matter most.
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Talk to us about funding your business
Whether you already bank with us or are looking to get started, we’re here to help you find the right solution for your business.
- Already banking with us?
Speak with your Relationship Director for any day-to-day queries or to discuss your longer-term plans. - Considering becoming a customer?
Complete our callback form and we'll get back to you within one working day to talk through your business needs.