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Business Loans

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

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

Loans

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:

  • Business acquisitions
  • Decarbonisation initiatives
  • Property purchases
  • Refinancing
  • Refurbishments

Overdrafts

We offer short-term cash flow support to help cover unexpected payments. ​ An agreed amount subject to a credit assessment and demonstrated need. ​Request a call back to apply for an overdraft* or to find out more.​ ​

*Overdrafts are subject to our eligibility criteria. Rates offered may vary between customers. Please refer to our Overdrafts Key Features Document for more information.

 

 

 

 

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Our new Green Tariff Lending

We understand that finance has a big part to play in helping the UK reach net zero carbon emissions by 2050.

To support this, we’ve launched Green Tariff Lending. We’ve set aside £100 million to help customers their decarbonisation objectives.

Eligibility:

  • Open to new and existing Unity customers
  • Project must be focused on improving energy-efficiency or reducing carbon usage
  • Retrofit terms must be paired with a standard lending product

For more information, please contact your Relationship Manager or request a call back using the form below.

Lending is subject to status and eligibility criteria.

Our business loans

  • 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.

  • 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.

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.

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Why we’re for you

Over £1bn 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

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Broom Pharmacy

“I had heard that Unity Trust Bank helped businesses that support local communities. After my initial meeting with relationship manager, Scott, I felt confident in his ability to guide me through my first pharmacy acquisition. Scott’s communication and timely advice assisted in keeping all parties involved in the lead up to successfully finalising the deal on time.

"I’m delighted to work with Unity as their values are very similar to mine. I’m also trying to help the local community and offer more services to those in need.”

Clare Brogan
Broom Pharmacy

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Canopy Housing

“Mike and the team have been incredibly supportive throughout this process. It is always a squeeze getting innovative projects like this over the line. Having a supportive banking partner like Unity who believe in what we are trying to do is crucial.”

David Nugent
Canopy Housing

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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

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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

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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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Minimum loan threshold is £250,000 for new customers. Loans are only available to businesses in the UK.