Lending

Whether you need cash flow management for everyday spending or a loan to help your business take the next step; we are here to help.


These products are subject to status. This means we’ll complete credit checks and an assessment of your financial circumstances. Eligibility and T&Cs apply.

Cash flow management

These products are designed to support your business’ cash flow and give you management tools for your everyday spending.

Business Credit card

Spread the cost of purchases over time

  • Up to 56 days interest-free period on purchases

  • Credit limits between £500 and £25,000

  • £24 annual fee per card

Business Charge card

Manage your everyday expenses with a flexible cash flow

  • Up to 48 days interest-free period on purchases

  • Add multiple cardholders

  • Free for first 6 months then £2 fee per card per month

Business Overdraft

Optimise cash flow and borrow money short term

  • Borrow up to £10 million (higher limits can be discussed on request)

  • Only pay interest on the funds you use

Business growth loans

Whatever stage you are in, our loans can support you in securing an asset purchase, your next commercial premises or even help you achieve your ESG (environmental, social, governance) goals.

Charity and Co-operative lending fund

£30m loan funding in 2024 to support community groups

  • Available to charities, co-operatives and social enterprises

  • Use the money to deliver your social purpose

  • 1 to 25 year terms available

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Commercial Mortgage

Get support if you’re planning to grow your business or purchase your first commercial premises

  • Borrow up to £10m

  • Finance residential investment portfolios or commercial properties

  • Repayment options & terms discussed on application

Renewable energy funding scheme

Improve your business’ green credentials

  • Boost your business’ energy efficiency

  • Get funding for up to 100% of eligible project costs

  • Extensive list of eligible products and technologies

Variable rate loan

Benefit from flexible repayment terms to suit your business needs

  • Apply from £25,020 to £10m

  • Competitive interest rate or interest-only options available

  • 1 to 20 year terms available

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Fixed Rate Loan

Be reassured by having a fixed rate of interest on your loan

  • Apply from £250,000 to £10m

  • Your regular repayment amount remains constant for the term of the loan

  • Payment options and term discussed at application

How we support your business

Financial support

We understand that there are challenges in running a business and we are here to help you find the support you need.

Support for financial difficulty

Coronavirus information

For guidance on the now closed financial support schemes that were made available during the pandemic, please visit our coronavirus page.

Coronavirus support and loans

Business Exchange

For helpful tips and guides on running and protecting your business, our marketplace for support offers you free access to valuable tools.

Tools for you and your business

We are the original ethical bank

Guided by our unique, customer-led Ethical Policy, we’ve been committed to our co-operative values and ethics since The Co-operative Bank was established back in 1872.

In 2022, we refreshed our Ethical Policy to focus on what we do for our planet, people, and the community. This includes our commitments to reduce global climate change, fight social injustice and only work with businesses that share our values.

Find out how we put our ethics into action

We’re an award-winning bank

Winner of Best Charity Bank Provider for 8 years in a row.

Standards of Lending Practice

The Co-operative Bank is one of the registered firms to subscribe to the Standards of Lending Practice which set the benchmark for good lending practices in the UK. The Standards outline the way registered firms are expected to deal with their customers throughout the entire product life cycle.

For more information on the The Standards of Lending Practice please visit the Lending Standards Board website.

You can also view further information on our commitments to our business customers and what we ask of you.