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Compare Santander Asset Finance business loans

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  • 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

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0.49% per month

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Working Capitalfrom

0.40% per month

Choose from five types of Commercial Funding

Santander currently provide a variety of products for UK registered business, including credit cards, business current accounts, business loans, insurance and mortgages. Their range of commercial finance options allows business owners to obtain the funds their business needs to grow.

Santander business loans are ideal if you need assistance with growing your business. Business owners are able to borrow from £2,000 to £25,000 with a manageable monthly cost at a fixed rate.

Key features of a Santander business loan

Santander business loans provides commercial finance to small to medium enterprises, as well as larger businesses that need significant funding. A Santander business loan provides SME’s with

  • Secured and unsecured business loans up to £25,000
  • Fixed monthly repayments
  • Optional repayment holiday
  • Fast decisions on applications, with approval within minutes
  • No early repayment fees
  • No set up fees
  • Preferential rates for existing customers
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 Santander

Santander is a Spanish multinational commercial bank and financial services company based in Madrid and Santander in Spain. Additionally, Santander maintains a presence in all global financial centres as the 16th-largest banking institution in the world.

Santander is one of the largest high street banks in the UK, providing everything, from current accounts, savings, mortgages and loans, to help you prosper.

About Santander Business Loans

Santander range of commercial finance options allows your business to grow and adapt to changes in the market, while expanding with your increased success.

Santander business loans come with both secured and unsecured options. The loan allows business owners to borrow from £2,000 up to £25,000 over 1 to five years. Business owners are able to manage the cost of their Santander business loan with a fixed rate, although preferential rates are granted to 1|2|3 business world customers.

The interest rate you are offered is based on a credit assessment of your financial circumstances. Once you have accepted the proposed rate, the interest rate is fixed for the duration of your loan. The maximum rate you would be offered for a Santander business loan would be 24.9%.

Santander also provide a range of products for small to medium UK registered business, who do not necessarily require a business loan. Options include Business Cashback Credit Card, Business Current Account and Insurance.

Santander Contact Info

Santander UK plc. Registered Office: 2 Triton Square, Regent’s Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

To contact Santander, visit their website to talk to one of their experts at https://www.santander.co.uk/business/support/talk-to-us or simply call 0800 731 666. Lines are open Monday to Friday, 8am to 8pm and Saturdays 8am to 2pm.

Promotions & Offers

As of January 2020, Santander do not have any promotions or offers relating to their commercial finance products.

How to Apply

If you’re ready to apply for a Santander business loan, you’ll need to ensure you are eligible to apply. In order to apply, you will need the following

  • A Santander business current account
  • Applicants must be 18+
  • Applicants must be a sole trader or their business is a partnership, limited liability partnership, private limited company or a trust.
  • You have a good credit history and haven’t been declared bankrupt or had an individual Voluntary Arrangement in the last 6 years
  • You haven’t been disqualified as a director or been a director of a failed business within the last six years
  • You are able to repay your business loan via direct debit.

Santander reserve the right to refuse any application. All credit is subject to credit checks and status.

Frequently Asked Questions

What types of commercial funding does Santander offer?

Santander currently provides five commercial funding options for businesses, including credit cards, business current accounts, business loans, insurance and mortgages.

How long does a Santander business loan take?

After you apply online, you’ll receive a decision within 24 hours. You’ll then receive a loan agreement in the post which you must sign and agree to the terms. Once this has been returned to Santander, the funds will be available in your account within 1 working day.

Does Santander offer business loans to all industries?

All businesses loan applications are reviewed on a case by case basis, but Santander may not offer finance to all UK Industries. For more information about which industries are eligible to apply, please contact Santander.

Where are Santander business loans available?

Santander currently provide business loans in England, Northern Ireland, Scotland and Wales. Santander business loan and commercial finance products are unavailable outside the UK.

Can I check my eligibility before I apply?

When you take out a Santander business loan, they can let you know upfront whether you are likely to get the commercial funding you want with no impact on your credit rating. If you already bank with Santander, you can log in and see your eligibility before you apply.

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