Lending

Our range of different lending types includes;

Term loans
Working capital loans
Overdrafts
Commercial mortgages
Bank guarantees
Cash flow lending

Contact us for more information

We offer a professional, competitive service available exclusively to businesses and charities with positive social or environmental goals. We have a unique understanding of the services and support these organisations need in order to flourish.

As a borrowing customer, you’ll have a Triodos Bank relationship manager who not only knows your name, but is thoroughly familiar with your business - visiting you on site, and becoming a trusted and knowledgeable source of input and advice.

If you want to know more about any aspect of the comprehensive business banking services we offer businesses and charities - from everyday banking to raising capital - please get in touch.

Checklist

^{What info will I need to provide?}

Basic proposal

Explain why you need a loan and what it will be used for
Tell us how much you need to borrow and whether you need it in one sum or in stages
Tell us when you need the loan to start, and for how long it will be needed
Give us details of what security is available, and tell us if any assets have been used as security elsewhere
Tell us how the loan will be repaid

The market

Tell us about the market or area in which the project will be active
Tell us if there is community support for the project and, if so, in what form
Give brief details of your market and a sales plan, where appropriate

Legal background

What legal form does the organisation have; e.g. company, partnership, charity, Community Interest Company (CIC), cooperative
Do you have all the necessary licences and planning permissions you require?

Key people

Please provide brief biographies of people who are central to the project’s success
State the experience of any key staff and their responsibilities

History

Please give us a brief history of the development of the project

Finance

Please provide:

Financial projections, including cash flow and budget, and profit and loss accounts for three years
Current balance sheet
A capital expenditure budget
Any accounts you may have for the past three years
Details of how much money you already have, or have been promised
Details of any grants awarded and any conditions attached to them
Details of other existing or planned loans
A statement of how finances will be controlled, and by whom

From that point on, this is what happens:

If we need more information, we’ll let you know.
We’ll then come and see you to talk things through in person and get a clear idea of your business and where you want to take it.
If you think the loan offer is right for you, we then complete the formalities with you and send you the money.
If your application is straightforward, this process can take as little as six weeks. More complicated applications can take longer. However, we’ll keep you informed at every stage, so you know exactly how your application is doing.