Bank Loans

Traditional finance from high street and commercial banks to help your business grow.

What It Is

A bank loan is one of the most common ways to finance a business. It involves borrowing a fixed sum of money from a high street or commercial bank and repaying it with interest over an agreed period.

Benefits

  • Access larger amounts of capital compared to start-up schemes.

  • Structured repayment terms provide predictability.

  • Builds your business’s credit history if repayments are on time.

  • May be available for equipment, property, or working capital.

Considerations / Risks

  • Strict eligibility requirements and credit checks.

  • Collateral or a personal guarantee may be required.

  • Interest rates vary depending on your creditworthiness.

  • Repayments must be made regardless of business performance.

Requirements

Banks usually expect:

  • A strong business plan.

  • Detailed cashflow forecasts and financial records.

  • Proof of trading history and turnover (for established businesses).

  • A good personal and/or business credit score.

How We Help

Strengthen Your Business Plan

We prepare clear, professional plans that meet bank lending standards.

Build Financial Forecasts

We help create accurate cashflow projections and financial statements.

Introduce Trusted Partners

If needed, we connect you with lenders in our funding network.

Prepare for Bank Meetings

We guide you on what to expect and how to present your case.

Why businesses trust us to help with bank loan applications

We’ve worked with founders across many industries to prepare loan-ready plans and financials, giving banks confidence in their applications.

Is a bank loan right for your business?

If you’re unsure, we’ll help you compare the options and find the right fit. Book a free discovery call today to explore your funding routes.