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.
LTV requirements are standardised across our products up to £1,000,000. Please refer to our product overview document.
We’re doing our very best to support our customers and other ethical organisations during this difficult time. If you are an existing lending customer, please contact your Relationship Manager to discuss your circumstances.
A new debt finance programme, the Recovery Loan Scheme (RLS) 3, was announced by the Government and will come into effect shortly. Whilst we were accredited under the CBILS and original RLS schemes, we are not an accredited lender for RLS 3 at this moment in time. If you are looking to access this scheme, more information can be found on the British Business Bank website.
If you have a question regarding your existing CBILS or RLS facility with Triodos Bank, please contact your Relationship Manager.
Only for long-term funding. We don't fund build-and-sell projects.
Our Edinburgh office is a base for our business banking team in Scotland.
Triodos Bank
Abbey House
83 Princes Street
Edinburgh
EH2 2ER
Please note that in order to protect our co-workers and to help reduce the spread of the Coronavirus, all our offices are closed to visitors from the general public at this time.
We may consider a request for a buy to let, but there would need to be a strong social aspect and the properties would need to be built or refurbished to the highest possible eco standards.
Yes, Triodos Bank is registered with the Lending Standards Board and adheres to the Standards of Lending Practice.
This voluntary code of practice sets standards for financial institutions to follow when they are dealing with their personal and small business customers in the United Kingdom. It provides valuable protection for customers and explains how firms are expected to deal with them day-to-day and in times of financial difficulties.
For more information, you can read about our commitment to business and charity customers, and learn more about the Standards of Lending Practice on the Lending Standards Board website.
We’re here to support customers who may be impacted by Covid-19 (Coronavirus) - please contact your Relationship Manager to discuss what support we can provide.
We would consider a combination of selling alongside holding for long-term rental, or complete hold for rental.
We have now developed a policy for lending to businesses involved in tourism (accommodation providers / campsites / visitor attractions / recreation).
We are pleased to be working in conjunction with the Green Tourism . Green Tourism is the national sustainable tourism certification scheme for the UK, and businesses opting to join Green Tourism are assessed by a qualified grading advisor against a rigorous set of criteria, covering a range of areas, like energy and water efficiency, waste management and biodiversity. Businesses are awarded a business Bronze, Silver or Gold accreditation depending on the outcome of their assessment.
It is a condition of any lending (loan or overdraft) that a business is accredited to a minimum standard of Silver within a specified period of the facility being made available
Yes, we see this as part of our commitment to supporting affordable housing projects. Learn more about lending for housing, including co-housing, community-led housing and housing associations.
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.
Yes. It’s the only way we can be sure you fit with our and (more importantly) our savers’ ethics. We do, however, lend to those in the process of converting to organic.
See our new loans checklist to find out what information is required when applying for a business loan with Triodos Bank.
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.
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.
‘Local’ is a difficult area for us to define and monitor. We require all our producers to be organic, but are currently introducing the Soil Association standard for catering businesses – which allows a mix of local and organic foods. We’re unlikely to accept a project purely on the basis of local.
Yes, we do have projects that are part certified. Our general rule of thumb is that more than 70% of the business is organic.
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.
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.
How much you can borrow depends on your specific circumstances.
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.
We lend to organisations with a positive cultural, environmental and social impact. For some examples, please visit our know where your money goes page.
Depending on your individual circumstances, we can consider interest only periods of up to 12 months.
Please refer to our key facts documents for Base Rate Linked and Fixed Rate loans:
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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