Supporting businesses

At Starling, we understand this is a difficult time to be running a business and we’re doing everything we can to help our customers. As always, you can manage your finances from the Starling app, and our customer support team is here for you 24/7. You can get in touch with them via phone, email or in-app chat.

Has your business been affected by coronavirus?

The government has launched a £350bn stimulus package - have a read of our coronavirus support blog posts to find out more. We’ve also published a few tips that may help small businesses coping with coronavirus.

One of the initiatives launched by the government is a loan guarantee scheme called the Coronavirus Business Interruption Loan Scheme. This provides a government backed guarantee when a loan application doesn’t meet a lender’s usual requirements.

As we’re not part of the scheme yet, we aren’t one of the lenders able to offer this type of guaranteed loan at the moment. However, we’re progressing our application with the British Business Bank.

The government have also announced:

  • Small business grant funding
  • A Statutory Sick Pay relief package for SMEs
  • A Coronavirus Job Retention Scheme
  • Deferring VAT and income tax payments
  • A 12 months business rates holiday for certain businesses

Starling offer loans of £5,000 to £250,000 for a term of 1-5 years to customers who already have a business current account and meet the following criteria:

  • Limited Company or Limited Liability Partnership
  • Trading for more than 18 months
  • Have a good credit history (your business and all directors/partners) - this means no arrears or defaults
  • All directors are over 18 years old
  • All directors/partners in the business must also be willing to provide a personal guarantee.

Loans up to £25,000 have a representative rate of 7% APR (fixed).

You can apply using this form.

See how much a Starling business loan would cost you

Our business loan calculator



Please enter an amount between £5000 and £25000


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


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.


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!).


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 open a Starling business account and use it alongside any other bank account.


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.

Application form

You must be a Starling business current account holder and have been trading for longer than 18 months.

    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?

      Already have a business loan with Starling and you need help or are worried?

      Our customer support team is here for you 24/7. You can get in touch with them via phone, email or in-app chat.

      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.

      Get the app