Business lending
Finance built around your organisation, with lending from £250,000 to £40 million.
Finance built around your organisation
We understand that every organisation is different. That’s why we take time to understand your goals and support you through the lending process.
Whether you’re purchasing property, expanding services, investing in equipment or improving cash flow, our lending specialists are here to help.
If you need business lending to help your organisation deliver real change, we can support you in a variety of ways via business loans, Green Tariff lending and overdrafts.
Business loans
Whether you want the certainty of fixed repayments or the flexibility of a variable rate, our business loans are designed to support your organisation’s plans. All lending customers are matched with a named, dedicated Relationship Manager to help their organisations achieve its goals. Contact our lending specialists using the form below for tailored guidance and to find out more.
Flexible lending solutions
Loans from £250,000 to
£40 million
Dedicated Relationship Manager
Fixed and variable rate options
Supporting positive social impact
At a glance
- Rate type
-
Fixed or variable
- Amount available
-
Between £250k and £40m
- Loan-to-value (LTV)
-
Typically up to 70%
- Repayment period
-
Terms from 24 to 120 months
- Interest Rate
-
Negotiated terms
- Fees
-
Typically 1.5% of the loan value plus legal and valuation fees
Which lending is right for your business?
Whether you’re looking for certainty or flexibility, we offer lending options to suit your plans.
When you want the reassurance of knowing exactly what your repayments will be throughout the life of your loan.
Benefits:
- Fixed monthly repayments for easier budgeting.
- Protection from interest rate increases for the term of your loan.
- Greater certainty for long term financial planning.
Lending is subject to status and eligibility criteria.
When you’d like the flexibility to benefit if interest rates fall and are comfortable that repayments may increase if interest rates rise.
Benefits:
- Opportunity to benefit from lower interest rates.
- Flexibility as market conditions change.
- Suitable for organisations comfortable managing changing repayments.
Lending is subject to status and eligibility criteria.
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 launched Green Tariff Lending in 2025. We’ve set aside £100 million to help customers with 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.
Overdrafts
Need extra flexibility? Our overdrafts provide short term support to help you manage unexpected costs or temporary cash flow gaps. Overdrafts are subject to a credit assessment and demonstrated need. Complete the form below to apply for an overdraft* or to find out more and one of our team will call you back to discus your needs.
*Overdrafts are subject to our eligibility criteria. Rates offered may vary between customers.
More ways we can support your organisation
Whether you’re managing day-to-day finances or planning for future growth, our Business Current Accounts are designed to support socially minded organisations of every size.
With straightforward pricing, flexible banking tools and support from sector specialists, you’ll have the confidence and visibility to manage your money effectively, while helping create positive social impact across the UK.
Our payments services help you make and receive payments securely and efficiently, whether you’re managing everyday transactions or larger business payments.
- Bacs Payments
- Bulk Faster Payments
- CHAPS Payments
- Accepting Card Payments
- Corporate Purchasing Cards
- International Payments
Putting money aside today can help your organisation achieve more tomorrow.
Our business savings accounts are designed to help you manage surplus funds, build financial resilience and plan with confidence.
How our customers have grown
From expanding premises to funding acquisitions, discover how we’ve helped customers secure the finance they needed to achieve their goals.
Secure your organisation’s future by transitioning to employee ownership with finance tailored to your needs
Expand your organisation by acquiring another business or practice with the right funding in place.
Whether you’re purchasing premises, expanding a portfolio or developing land, we can help.
Create the space you need to grow with finance for extensions, refurbishments or improvements.
Invest in facilities and services that help you reach more people and make greater impact on your community.
Take the next step with finance to acquire, expand to strengthen your organisation.
Banking with purpose
When you choose Unity, you’re selecting a bank that’s committed to making a positive difference for our customers, communities, colleagues and the environment. Discover what drives us, the impact we’re making and the independent recognition we’ve achieved along the way.
Our mission, vision and values guide every decision we make, from how we lend and invest, to how we support our customers and communities.
Discover our Impact Hub to see the social, economic and environmental impact we deliver, and explore our Impact Toolkit to understand how you can measure and grow your own.
Our accreditations and awards reflect our commitment to responsible and ethical banking, financial stability and our dedication to building an inclusive workplace where our people can thrive.
Why choose Unity
Since July 2025, Unity has held an investment-grade credit rating from global ratings agency, Fitch Ratings.
We’ve received a range of awards for our pioneering approach to sustainable finance, including The King’s Award for Enterprise in Sustainable Development in May 2024.
In June 2025 we were awarded the ‘Good Egg’ mark from the responsible finance site, Good With Money, in recognition of our ethical business practices.
We have decades of experience supporting organisations that create positive impact, with specialist knowledge across housing, healthcare, community and social enterprise sectors.
Our commitment to excellent service
Receiving customer feedback is important to help us continually improve our customers’ experience. In January 2026, we were awarded the Institute of Customer Service ServiceMark accreditation after demonstrating consistently high levels of customer satisfaction and service quality. This accreditation is based on an independent assessment and real customer feedback.
Here’s what our customers are saying on Trustpilot:
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.