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Compare InterBay business loans

Think Business Loans search over 200 lenders to find you the best funding options for your business.

  • Check your eligibility in minutes (without a credit check)
  • Our matching software, iFunds, will match you against our panel
  • One of our experts will call to discuss your options
  • Receive your funds and grow your business

NO Credit Check Required

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Compare business loans from over 200 business lenders

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Asset Finance from


Bridging Loans from

0.49% per month

Commercial Mortgagesfrom


Unsecured Business Loans from


Working Capitalfrom

0.40% per month

Choose from five commercial finance products.

Interbay was founded with the understanding that your business is important to you. That’s why they provide five commercial finance products to ensure your business achieves the correct funding it needs. This includes:

  • Buy to let
  • HMO
  • Bridging
  • Semi- commercial and commercial property purchases.

Interbay provides a supportive service, offering a flexible criteria, combined with manual underwriting to ensure an open-minded approach to commercial property purchases.

Key features of an Interbay business loan

Interbay business loans currently offers industry specific commercial finance, with tailored funding that’s instrumental to business growth. A business loan with Bibby provides SME’s with:

  • Asset finance agreements of £10,000 to £2,000,000
  • Consideration to companies with small, adverse credit issues
  • Quick decisions with no hassle
  • Variety of repayment structures that work to suit your business’ needs

For commercial mortgages, Interbay also offer SME’s

  • Up to 75% LTV
  • Interest only for term
  • Preferential rates for loans over £1,000,000
  • £200,000 minimum loan with no maximum
Unsecured Term
£25,000 - £100,000
6mths - 5yrs
Unsecured Term
£10,000 - £250,000
6mths - 5yrs
Working Capital Loan
£10,000 - £500,000
1mths - 2yrs
Unsecured Term
£5,000 - £250,000
6mths - 5yrs
Invoice Finance
£10,000 - £10m
Property Loan
£250,000 - £10m
5yrs - 30yrs
Working Capital Loan
£5,000 - £250,000
1mth - 1yr
Merchant Cash Advance
£3,500 - £500,000
Property Loan
£250,000 - £10m
5yrs - 30yrs
Merchant Cash Advance
£3,500 - £500,000
Unsecured Term
£10,000 - £500,000
6mths - 5yrs
Asset Finance
£5,000 - £10m
6mths - 7yrs
Term Loan
£5,000 - £25,000
6mths - 5yrs

About Interbay

Interbay is a UK based lender that is geared towards making your products and service work for both brokers and customers alike. Interbay is the asset finance division of OneSavings Bank, a highly ambitious FTSE 250 UK Bank with over £7 billion in assets.

OneSavings Bank currently trades under the following brands:

  • Interbay Asset Finance
  • Interbay Commercial
  • Kent Reliance
  • Prestige Finance
  • Heritable Development Finance

About Interbay Commercial Mortgages

Interbay asset finance provides flexible deal structures and credit approvals. Unlike other lenders, Interbay commercial mortgages offer a flexible criteria combined with manual underwriting to ensure businesses are able to get funding that best suits their business.

InterBay Commercial is a commercial mortgage lender offering buy to let, HMO, bridging, semi-commercial and commercial mortgages. Interbay commercial mortgages provides a supportive service, offering a flexible criteria and finance up to 1 million.

Interbay understands that every business is different. That’s why businesses who apply for a commercial mortgage are also able to obtain interest-only options on certain finance products. Interbay are also able to provide multiple securities on a single loan, with options available for mixed portfolios. Lending against investment value is also considered for commercial properties.

Interbay Contact Info

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504). We subscribe to the Financial Services Compensation Scheme and the Financial Ombudsman Service.

To contact Interbay, visit their website and fill in their contact sheet http://interbay.co.uk/contact-us or simply email their support team at [email protected]. Alternatively, you can call them direct on 0345 878 7000.

Promotions & Offers

As of January 2020, Interbay do not currently have any promotions or offers on their commercial funding products.

How to Apply

If you’re ready to grow your business with a commercial mortgage with Interbay, you’ll need to meet the following criteria. This will include

  • 2 years relevant sector experience at managerial level or similar
  • Good credit history is required – at least 2 years with no adverse credit
  • 6 months bank statements
  • 4 VAT Returns

When applying for an Interbay commercial mortgage, you will be instantly notified of the outcome of their initial checks. You will then be provided with a dedicated relationship manager, who will provide you with a final decision. Each commercial mortgage taken out through Interbay is subject to normal lending assessment, status and application. Terms and conditions apply.

Frequently Asked Questions

What types of commercial funding does Interbay offer?

Interbay offers commercial mortgages to a wide variety of businesses and entrepreneurs in the UK.

How long does an Interbay commercial mortgage application take?

Applications normally take about three months.

Does Interbay offer business loans to all industries?

As of January 2020, Interbay will not lend to properties including Heavy industrial, petrol stations, religious property, hostels, bedsits, equestrian centres, public houses, agricultural properties, catteries, kennels, golf clubs, hospitals, mobile home parks, garden centres, on site dry cleaners, telecommunication masts and all other uses within Classes A4, C2, C2A and D2 of the T&CP Use classes order 1987 or those properties listed as Sui-Generis

Where are Interbay business loans available?

Interbay consider SME’s across the UK, including the Isle of Man and Isle of Wight

Can I check my eligibility before I apply?

Before you take out a commercial mortgage with Interbay, make sure to check the criteria before you apply. For more information, visit https://Interbay.com

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