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Business Loans

Whether you’re looking for a commercial loan or a property loan, we help customers achieve their ambitions and have a positive impact.

Key features

Fixed and Variable rate borrowing options

Experienced Relationship Management team spread across the UK

Specialist sector knowledge

Clear, transparent and competitive pricing

UK-based call and business processing centres

Lending that creates positive change

At Unity Trust Bank, we provide finance for businesses and organisations that want to create a better society.

If you need a business loan to help your organisation deliver real change, we can support you in a variety of ways including:

  • Loans for refinancing
  • Loans for business acquisitions
  • Loans for property purchases
  • Loans for refurbishments

Product information

Amount available
Variable: Between £250k and £10m
Fixed Rate: Between £250k and £10m (fixed rate period between 24 months and 60 months)
Loan-to-value
Typically up to 70%
Repayment period
Typically up to 20 years
Interest Rate
Negotiated terms
Fees
Typically 1.5% of the loan value plus legal and valuation fees

If the security provided is against a property or assets that you own, please remember that these may be repossessed if you do not keep up repayments on your loan.

Our business loans

  • Fixed Rate Lending

    Fixed Rate Loans provide certainty as your loan repayments will not increase if interest rates rise during your fixed period. However, if interest rates fall during your fixed term period you will not benefit as your repayment amount will not decrease.

  • Variable Rate Lending

    If interest rates fall during the term of your loan, the amount you pay will decrease.
    However, if interest rates rise, your repayments will also increase which may impact the affordability of the loan.

Standards of Lending Practice

As a lender we have commited to follow the Standards of Lending Practice for business customers. By adhering to the Standards we are demonstrating a commitment to ensuring that our customers are treated fairly.

Why we’re for you

Over £1Billion in lending

£1Billion in loans to socially-minded organisations across the UK.

Relationship Manager support

Support from a dedicated Relationship Manager with knowledge of your sector to help your business grow.

Delivering social impact

40 years of supporting organisations that make a positive impact in our society.

Kings Award for Enterprise

We have been recognised for our commitment to responsible and sustainable banking practices.

Customer Stories

Briggate Dental

“I like the fact that Unity Trust Bank helps people who help other people. Dentistry is a business but we’re also helping people with their teeth and self-esteem.

Some lenders just see things from a business point of view, but Unity are very supportive of what we’re trying to achieve. I also like the personal service they offer.”

James Cooper
Briggate Dental

Hazel Tree Montessori Nursery

“I’m delighted to refinance with Unity. They are a very good fit for my portfolio from a social marketing side. Other banks were interested, but the whole bureaucracy of asking for something and it taking six months to sort out put me off. I like the old-fashioned way of being able to speak to someone and it getting done immediately.”

Danielle Hignett
Hazel Tree Montessori Nursery

Little Learners

“When my loan agreement came up for renewal, I decided to switch to Unity as it gave my business the ability to grow at the pace I want. Unity offers a new concept in banking – it’s entrepreneurial, has good ethical grounding and an appetite for things that are relevant in the marketplace.”

Lyndsay Grant
Little Learners

Want to talk to us? Request a callback.

If your organisation is committed to doing good in your community,
we’re always ready to discuss how we might be able to help.

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