Helping you ensure you provide the correct information as part of your application to borrow funds from Triodos Bank.
Borrowing
Helping businesses and charities achieve their ambitions
As a business or charity looking to grow it is important you get the right funding solutions in place, when you need them, to help you achieve your ambitions.
At Triodos Bank we offer a more focussed and specialist approach to borrowing for businesses and charities with clear social, environmental or cultural aims. So whether you are looking for help to fund a specific project, purchase a property, or refinance your business we could have a lending solution for you.
We don’t work on the basis of a fixed criteria for our clients’ borrowing, but instead assess every application on its own merits. This means that, providing you satisfactorily meet our lending criteria, you could borrow money for a wide range of different purposes. And because we understand the specific opportunities and challenges that organisations in your sector are likely to face, we regularly back businesses and charities that don’t meet the requirements of other commercial lenders.
As a borrowing customer, you’ll have the full support of a relationship manager who truly understands your business, helping you to make the most out of your relationship with Triodos Bank. They will visit you on site and become a trusted and knowledgeable source of information for you.
Each of our relationship managers is a specialist in one or more of the specific sectors we lend to, so you can be assured that they fully appreciate the unique aspects of your marketplace and the specific challenges your organisation faces.
What type of organisations do you lend to?
We only lend money to businesses and charities with clear social, environmental or cultural aims.
See 'Who we finance' to see whether your organisation is similar to others we already finance or if you're unsure contact us before going any further. See also 'Our approach to lending'.
If we don't think we can help you, we'll tell you as soon as possible, saving you time and hassle. If we do think we can work together, we'll ask for a brief written summary of what you're hoping to achieve. We'll also need to see a copy of your business plan.
How do I apply for borrowing from Triodos?
If your business meets our financing requirements then you will need to provide us with some initial information. See our Borrowing checklist for further information.
What types of borrowing do you offer?
We offer a range of different lending products to suit your requirements including:
- Term loans
- Working capital loans
- Overdrafts
- Commercial mortgages
- Cash flow lending
How much can I borrow?
We generally lend between £25,000 and
£15 million per project, although we'll consider lending larger amounts, depending on your needs.
What interest rate and fees will I be charged?
Our aim is to offer competitive interest rates. Providing you satisfactorily meet our lending criteria, we may offer you one of the following:
- Base-rate linked - a rate that changes when the Bank of England base rate moves.
- Fixed rate - a rate that is fixed for an agreed period of time, to give you assurance about the cost of borrowing.
Triodos Bank normally charges between 1% and 1.5% of the value of your loan to pay for the cost of arranging it. If there are legal costs involved in getting security for the loan, like a property valuation, you'll be responsible for paying these yourself.
What security will have to be provided?
In general, we expect all our loans and overdrafts to be fully secured. The security can be against property or assets that you own, but please remember that these may be repossessed if you do not keep up repayments on your loan.
For more information about whether we can help you fund your project contact us and we will put you in touch with one of our specialist Relationship Managers.
Borrowing Checklist
To help ensure you provide the correct information as part of your application to borrow funds from Triodos Bank
Get in touch
Enquire today
See our FAQs or contact the team. We're available to take your call 10:00am-5:00pm on Mondays and 9:00am-5:00pm Tuesday to Friday. Alternatively send us an email.
How We Do What We Do
Triodos Bank has made an extraordinary and lasting impact on people and the environment. But how does the Bank make the decisions about who it lends to?
