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Business loans

Funding your business

Getting a business off the ground takes time and hard work. But taking it to the next level? That sometimes calls for extra investment.

Cue Starling’s unsecured business loan, which allows you to borrow from £5,000 to £250,000, for a term of 1-5 years. With a representative rate of 7% APR (fixed) for loans up to £25,000, it’s a business loan for limited companies and limited liability partnerships that’s straightforward to use and competitively priced.

Got a current account with us? Great, just fill in our application form and we will get back to you.

Haven’t got a current account yet? No problem, just fill in our application form and we can look at whether you might be eligible for a loan before you think about opening a current account with us.

See how much a Starling business loan would cost you

Our business loan calculator

Borrow

£

Please enter an amount between £5000 and £25000

for

over 12 months

Total Amount Repayable £5,186.06
Monthly Repayment £432.17
Representative APR 7%
Indicative example based on loan starting 1 January 2020. Actual repayments may differ slightly depending on the start date of your loan.

Representative example:
Representative APR of 7%. Borrow £15,000 repayable over 36 months at an interest rate of 7% pa (fixed) with monthly repayments of £461.68. A total amount payable of £16,620.47.
The rate you are offered will depend on your individual business’ circumstances.

A fair and flexible business loan

Fair

Our interest rates are competitive. For loans up to £25,000, the representative rate is 7% APR (fixed), with no early repayment fees. We’ll assess your business to work out your bespoke rate and we’ll never charge you hidden fees.

Need more than £25,000? Our rates are variable and you’ll get more information when you apply.

Flexible

Choose a monthly repayment date that suits you. For loans up to £25,000, repayments are fixed and you’ll know exactly what’s coming up for the life of the loan (good news for your business plans!).

Easy

Apply in minutes, from anywhere. Want a Starling business loan but don’t want to switch your business current account fully over yet? No problem. Just use Starling alongside any other bank account.

Personalised

Business is personal – and unlike some other banks, we get that. Your application will be reviewed by a real human. We take the time to understand your business and make a considered decision.

Is a business loan right for me?

A Starling business loan is designed for anyone looking to invest financially in the long-term success of their business. It’s worth bearing in mind that you’re more likely to be considered for a loan if you’re profitable and an owner-managed business in a period of growth or maturity.

If you’re looking for support with everyday working capital, we also offer a Starling business overdraft.

A business loan is designed for specific types of needs, such as...

  • A defined amount of working capital
  • Securing a new contract
  • Growth/international expansion
  • Machinery or equipment purchase
  • Premises refurbishment or expansion
  • Business acquisition

Am I eligible for a Starling business loan?

To be approved, you’ll need to...

  • Be a limited company or limited liability partnership that’s registered at Companies House.
  • Have been trading for a minimum of 18 months (and be able to prove this).
  • Have a Starling business current account (or be willing to open one).
  • Have a good credit history.
  • Be able to prove that you’ll be able to make repayments when they’re due (by providing financial accounts and bank statements).
  • Provide a Personal Guarantee from every Person of Significant Control or partner of your business (must be 18 years old or over).

How the application process works

Whether or not you have a Starling account already, we’d love to see if we could help your business fly.

Fill in our application form and one of our team will be in touch.

Application form

    Your business

    Your borrowing request

    Your current business borrowing

    Thanks for your interest in a Starling business loan. By completing this application we will be able to give you an indication of whether we could offer you a business loan, subject to you opening a current account and a full assessment of eligibility.

    About you

    Have you or any other members/directors or your business had any County Court Judgements registered against you in the last 3 years? Or have you, your partner(s) or your business been declared bankrupt in the last 6 years? Or have you or your partner(s) ever been disqualified as a director of a company?

    Your business

    Your borrowing request

    Your current business borrowing

    Your request has been received.

    What happens next?

      An APR (Annual Percentage Rate) is a common way of showing interest rates on loans, which you can use to compare different banks’ interest rates. It takes into account the rate of interest and any fees charged for taking out the loan.

      We expect at least 51% of customers to get the Representative Rate or better.

      Take control of your money

      Download the app to apply for a Starling Bank account in minutes.

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      Our Privacy Notice sets out how the personal data collected from you will be processed by us.

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