Business loans over £1m

Lending from £1 million to £20 million

Benefits
What we offer
Important documents
Our experience
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We finance organisations supporting positive social, environmental or cultural change. We take a flexible approach to lending - we understand the challenges you face and want to provide you with the right support and finance you need.

Why borrow from Triodos?

You'll have a dedicated relationship manager

Once we have assessed your enquiry, you'll have a named relationship manager to contact directly when you need to speak to someone. They’ll understand your organisation, the challenges you face, and the world you work in.

We have an easy to understand product offering

Whether you’re looking for a loan of less than £1 million or over £1 million – our lending process is flexible, easy to understand and simple to apply for.

You'll be joining a community of like-minded people

We finance projects and organisations that have a positive impact on society, culture and the environment. Partner with us and you’ll be part of a strong and growing community of people and organisations working for a better world.

What we offer

Variable rate loans and fixed-rate loans
Lending from £1 million to £20 million
Broad sector experience
A strong banking partner - Triodos Bank is one of Europe's leading sustainable banks. Read our annual report
Support of a dedicated relationship manager once we have assessed your enquiry
Triodos Bank UK adheres to the Standards of Lending Practice

When applying for a lending facility with Triodos, you will be required to demonstrate how your organisation and the purpose for which you are seeking finance will have a positive impact. This impact, alongside your organisation’s values and mission, will be reviewed in detail by our team. We will only provide a loan where it is deemed that your mission and values align with our own and that the finance will provide positive benefit for people and planet.

At Triodos Bank, we only lend to businesses and organisations who are delivering a positive impact. All the loans that we make are to be used by businesses and projects that provide social, cultural or environmental benefits.

Triodos is accountable to our savers and investors, who choose to bank with us because they want their money to be used to change the world for the better. We publish details of every single organisation that we lend to on our online directory, so they can see exactly how we’re using their money.

Please be as thorough as possible when providing this supporting information to ensure we are able to establish this mission fit. It is important to note that we do not lend to organisations whose impact is deemed ‘neutral’ – i.e. neither positive nor negative. In addition, we exclude organisations who do not meet our minimum standards.

See our minimum lending criteria.

An Experian check on your business and key individuals, including Directors and Trustees may be required to allow Triodos Bank to assess applications.
Any property used to secure a loan on it, which may include your home, may be repossessed if you do not keep up repayments on a debt secured on it.
Interest, fees, charges and due diligence costs will be agreed on an individual basis. Read our business banking lending tariff for more information.

Our Lending Guide

What you need to do to start your application and what you can expect from us.

Important documents

Business banking lending tariff60 KB, PDF
Business Banking - A guide to understanding personal guarantees for business borrowing34 KB, PDF
Standardised Lending Product Overview48 KB, PDF
A guide to understanding your Loan Agreement64 KB, PDF

How to apply for a Triodos Bank business loan

If you’re an existing business customer, please contact your relationship manager to discuss your requirements.

For capital raising advisory services, contact our Corporate Finance team.

Start your application
We’ll make a decision
We’ll complete the facility agreement and transfer funds

Start your application
Complete our enquiry form – this tells us about your organisation and borrowing requirements, which helps us establish whether they fit within our minimum criteria. One of our relationship managers will contact you within 5 days to discuss next steps and to confirm what information we require if we’re able to progress your application.
We’ll make a decision
Once we’ve received the required information, we’ll assess this and propose the potential terms of a loan. If you accept these, your relationship manager will prepare a formal credit proposal for the bank to consider and they will notify you of the outcome as soon as the decision is made, which is usually within 4-6 weeks. However, timings are dependent on circumstance and may take longer.
If your application is declined, we will provide an explanation. You have the right to appeal the decision and for the decision to be considered at the appropriate level. To appeal a decision please contact your relationship manager, who will be able to assist or follow the published complaints procedure.
If your application is successful, we will carry out identification checks on all signatories to the proposed agreement.
We’ll complete the facility agreement and transfer funds
Once all checks have been carried out, we will send you the official facility agreement, which you will need to read, sign and return alongside any other documentation we ask for.
We offer a fully non-advised service and recommend you seek independent legal advice before signing the agreement.
Your facility agreement may include conditions which need to be met before we can transfer funds. This is likely to include arranging a valuation and legal due diligence for any property provided as security.
Your relationship manager will let you know what information is needed and estimated timescales for release of funds. You will need to meet all valuation and legal costs.
Once all pre-drawdown requirements have been satisfied, we will transfer your funds to your requested bank account, after the deduction of any facility arrangement fee, disbursement costs and payment transfer fee.

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Start your enquiry now

We're award-winning

Charity Times Award 2023 - Winner - Charities bank of the year

FAQs

What is the process for a business loan up to £1m? And how long does the lending process normally take?

All business lending applications will be reviewed within 7 - 14 days. See our lending guide to find out what you can expect when applying for a business loan or overdraft with Triodos Bank.

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What information is required when applying for a business loan?

See our new loans checklist to find out what information is required when applying for a business loan with Triodos Bank.

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I am not sure yet how much I need to borrow for my business loan. Can you help me determine the required facility amount?

Triodos Bank offers a fully unadvised service and you will have to determine the amount you require independently. We recommend you consult an independent financial adviser if you need help to determine your financial requirements.

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What is the process for a business loan over £1m? And how long does the lending process normally take?

For loans over £1 million, we will respond to your request within 5 days. See our guide to find out what you can expect when applying for a business loan or overdraft with Triodos Bank.

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Do you provide unsecured business loans?

Currently, we do not accept unsecured loans. Please refer to our product summaries for the types of security we will accept for different types of borrowing.

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How much can I/we borrow with a business loan?

How much you can borrow depends on your specific circumstances.

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What are the prices and costs for a business loan?

Interest rates are dependent on risk. We will provide you with a facility specific pricing offer once we have received all the information we need from you and have assessed your enquiry against our lending criteria.

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My business loan request is just outside of your LTV requirements; would you consider making an exception?

LTV requirements are standardised across our products up to £1,000,000. Please refer to our product overview document.

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How much will my legal fees be for a business loan?

You will be required to pay your solicitors directly. Any charges from Triodos directly will be outlined in your Heads of Terms. For guidance, please see our Business Lending Tariff.

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What security can you accept when applying for a business loan?

See our product lending overview document for more information.

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For business loans, my contribution is made up of another loan / other loans. How will you view this?

We prefer for your contribution not to be funded by other loans. If all / part of your contribution is made up of another loan, we will need to understand who the loan is from and review the loan terms.

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For business loans, can you provide a receipt for my commitment fee?

We do not provide individual receipts for fees. If you require documentary confirmation of the terms of the commitment fee please refer to your signed Heads of Terms document

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Under what circumstances will you require personal guarantees for business loans?

Not in all circumstances but where we lend to a limited company and LLP this may be a requirement.

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Do you offer interest only for business loans?

Depending on your individual circumstances, we can consider interest only periods of up to 12 months.

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For business loans, are commitment fees refundable?

Commitment fees are only refundable where a loan does not get credit approval, or the approval is not based on the conditions specified in the Heads of Terms. In all other instances the commitment fee is non-refundable.

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What sectors do you lend to for business loans?

We lend to organisations with a positive cultural, environmental and social impact. For some examples, please visit our know where your money goes page.

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What is the difference between fixed and variable rate for business loans – what does it mean?

Please refer to our key facts documents for Base Rate Linked and Fixed Rate loans:

Key facts about our Base Rate Linked business loans
Key facts about our Fixed Rate business loans

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Can I make early repayments for my business loan? Is there a limit? Is there a fee? How many early repayments can I make?

Triodos Bank offers Base Rate Linked and Fixed Rate loans to its customers. Both of these loan types will attract Early Repayment Fees if the loan is repaid in full or in part before it is due.

Early Repayment Fees are detailed in the Specific Conditions of your loan. They may include:

Prepayment Fees (also known as early repayment fees)
Break Costs (also known as redemption charges) – applicable to Fixed Rate loans with a value of £1,000,000 or more

Please review our Key Facts Documents for more details on Early Repayment Charges.

Key facts about our Base Rate Linked business loans
Key facts about our Fixed Rate business loans

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For business loans, will you take security if there is a prior charge?

We will only consider this if we have first charge over the property.

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What interest rate/APR can you offer for business loans?

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Thanks for your feedback. We’ll use it to improve our services.

How much are your indicative fees for a business loan, including arrangement and legal fees?

Our Business Lending Tariff outlines all charges we may charge for lending products. Some charges are variable and depend on the specific profile of each facility.

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How long does it take the bank to release my security after I have fully repaid my business loan?

Within 5 business days, depending on the complexity and volume of security.

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Broad experience, in-depth expertise

Over 35 years we've developed a team with wide-ranging experience and in-depth expertise. Explore a selection of the projects we've financed

YMCA’s pioneering community village opens to the public
News
We were delighted to experience a Triodos Bank funded social project come to life at the official opening of the YMCA’s Community and Activity Village.
Supporting affordable green homes in Somerset
Case Study
SHAL housing association to build additional affordable homes and make its existing properties more environmentally friendly
Building for the future: London’s largest self-build community housing project
Case Study
How do we create more homes and neighbourhoods that are both sustainable and affordable?
Kickstarting the retrofit revolution
Guest Contribution
Eoin Donnelly from North Camden Housing Co-operative shares how they've taken steps to decarbonise homes in north London

See our expertise in financing

Is your business working towards positive change but you don't feel one of the categories below is quite the right fit for you? We'd still love to hear from you.

Finance for renewable energy and sustainable transport.
Energy and infrastructure
Finance for charities and commercial operators with a long-term commitment to providing high-quality care.
Health and social care
Fostering healthy and fulfilling lifestyles and supporting people to take part in and enjoy the arts.
Arts and culture
Restoring our depleted natural environment and reversing biodiversity loss.
Nature
Supporting you and the good work you do for society.
Charities and community
Finance for organic, biodynamic and sustainable farming.
Agriculture
Finance for faith groups making a positive contribution to society.
Faith groups
Finance and expertise for social and affordable housing projects.
Housing
Finance for future generations.
Education and childcare

Welcome to positive change

Our approach to banking is different. We work with organisations that contribute to positive social, environmental and cultural change.

Get in touch

Fill in our form

Enquire now

We use cookies

You'll have a dedicated relationship manager

We have an easy to understand product offering

You'll be joining a community of like-minded people

Important documents

FAQs

What is the process for a business loan up to £1m? And how long does the lending process normally take?

What information is required when applying for a business loan?

I am not sure yet how much I need to borrow for my business loan. Can you help me determine the required facility amount?

What is the process for a business loan over £1m? And how long does the lending process normally take?

Do you provide unsecured business loans?

How much can I/we borrow with a business loan?

What are the prices and costs for a business loan?

My business loan request is just outside of your LTV requirements; would you consider making an exception?

How much will my legal fees be for a business loan?

What security can you accept when applying for a business loan?

For business loans, my contribution is made up of another loan / other loans. How will you view this?

For business loans, can you provide a receipt for my commitment fee?

Under what circumstances will you require personal guarantees for business loans?

Do you offer interest only for business loans?

For business loans, are commitment fees refundable?

What sectors do you lend to for business loans?

What is the difference between fixed and variable rate for business loans – what does it mean?

Can I make early repayments for my business loan? Is there a limit? Is there a fee? How many early repayments can I make?

For business loans, will you take security if there is a prior charge?

What interest rate/APR can you offer for business loans?

How much are your indicative fees for a business loan, including arrangement and legal fees?

How long does it take the bank to release my security after I have fully repaid my business loan?

Get in touch