Business loans over £1m
Lending from £1 million to £20 million
Why borrow from Triodos?
What we offer
Our Lending Guide
What you need to do to start your application and what you can expect from us.
Important documents
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
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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FAQs
You can now apply for business lending of up to £1m through our online Business Loan Portal.
The portal guides you through each step and gives you an indication of the lending outcome based on the details you share.
All business lending applications are reviewed within 4-6 weeks. Our lending guide explains what you can expect when you apply for a business loan with Triodos Bank.
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For loans over £1 million, we’ll get back to you within 5 days. You can read our guide to see what the application process for a Triodos Bank business loan looks like.
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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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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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Not in all circumstances but where we lend to a limited company and LLP this may be a requirement.
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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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We’ve replaced our previous online enquiry form with our new Business Loan Portal for eligible business lending applications of up to £1 million.
The portal gives you a smoother digital application process, making it easier to submit your lending request online.
The Business Loan Portal is available to new-to-bank customers looking for business lending of up to £1 million.
If you already have a Triodos loan and want to discuss additional borrowing, please contact your Relationship Manager directly.
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How much you can borrow depends on your specific circumstances.
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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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LTV requirements are standardised across our products up to £1,000,000. Please refer to our product overview document.
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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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See our product lending overview document for more information.
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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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Depending on your individual circumstances, we can consider interest only periods of up to 12 months.
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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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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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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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If your organisation is having financial difficulties, or you’re worried about meeting your loan repayments, please contact your Relationship Manager as soon as you can. The sooner you speak to us, the sooner we can understand your situation and talk through the options that may be available to help.
You can also find more information and support on our Financial worries for businesses page.
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Please refer to our key facts documents for Base Rate Linked and Fixed Rate loans:
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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.
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We will only consider this if we have first charge over the property.
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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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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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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
See our expertise in financing
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 and expertise for social and affordable housing projects.
Housing
Finance for purpose-led property projects
Sustainable property
Finance for future generations.
Education and childcare
Finance for faith groups making a positive contribution to society.
Faith groups
Welcome to positive change
Our approach to banking is different. We work with organisations that contribute to positive social, environmental and cultural change.
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