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Business loans

If you have a vision, a business loan could help make it a reality. We take a flexible and responsible approach to lending. Share your ideas, and we’ll help you choose what you can afford to borrow and how long you need to repay it.


We’ve supported Charities and Businesses for over 130 years and we prioritise business lending to organisations that deliver positive social impact, so you’ll be joining a group of like-minded people.

We will prioritise our business lending to those organisations in the UK that deliver positive social impact. We can provide competitively priced loans and commercial mortgages on terms up to 25 years.

We can lend for business expansion and working capital in the following sectors:

  • Health and Social Care
  • Social Housing
  • Social Enterprises
  • Education
  • Faith Organisations; Churches, Religious Orders
  • Charities
  • Community, Arts, Heritage, Sports
  • SME sectors

Please see Important Information Regarding Business Loan Support in the section named “Support during the Covid-19 pandemic”.


Business Loans

  • Term loans
  • Lending from £250k to £2.75m
  • Repayment term up to 25 years with 5 year commitment
  • Typically up to a maximum of 65% loan to security value

What we offer

  • Term loans
  • Lending from £250k to £2.75m
  • Repayment term up to 25 years with 5 year commitment
  • Typically up to a maximum of 65% loan to security value
  • Tailored loan pricing on a case by case basis
  • Simple application process and fast decisions
  • Early indication of our appetite to lend
  • Tailored solution to suit your businesses unique requirements
  • You’ll have a named relationship manager to contact directly when you need to speak to someone. They’ll understand your organisation, and the challenges you face.



  • Early indication of our appetite to lend
  • Tailored loan pricing on a case by case basis


1)    Read our key documents
2)    Complete our Business Account Opening Form
3)    We’ll assess your application
4)    We’ll set up your account

Read our key documents
1)    Business Loans (IIS) Important Information Summary Form

Complete our Business Account Opening Form and Business Mandate Form

Complete our Business Account Opening Form and refer to What you need to open a business account and complete our Business Mandate Form. Both our Business Account Opening Form and our Business Mandate Form are paper based forms, so please print them out and complete them and send them to us at:

Reliance Bank, Faith House, 23-24 Lovat Lane, London EC3R 8EB.

We’ll assess your application

  • One of Relationship Directors will contact you to discuss your request
  • We will undertake a Credit check on the Business and its Officials
  • Interest, fees, charges and due diligence costs will be agreed on an
    individual basis. Read our Business banking lending tariff for more

We’ll set up your account
If your application is successful, we’ll set up your account and send you a welcome pack.

Business Loans documents


Important Information Regarding Business Loan Support

If you are struggling with your business commitments because of COVID-19 you may want to consider if the Bank could support you with a loan repayment holiday or additional loan facility.

We are offering affected business customers the opportunity to contact the Commercial department via email on and would ask you to provide us with a background as to your circumstances, together with the following:

  • Business name and post code
  • Best contact telephone number
  • Some brief details on your specific circumstance

We will review each case to establish how best we can support you during these challenging times.

Reliance Bank is presently unable to be part of the Government support schemes, if we are unable to support you directly, please follow the link below for more information on the Recovery Loan Scheme (RLS) that launched on 6 April 2021. The Recovery Loan Scheme (RLS) provides financial support to businesses across the UK as they recover and grow following the coronavirus pandemic.…

Remember we are here for you. As the situation in the UK changes we’ll continue to look at what we can do to support you and will be regularly updating our website on key changes.


Reliance Bank Base Rate

Reliance Bank’s base rate is 0.75%.

On the 16th December 2021, The Monetary Policy Committee (MPC) made the decision to increase the Bank of England (BoE) base rate from 0.10% to 0.25% (this is an increase of 0.15%).

Following the BoE base rate increase we are increasing Reliance Bank base rate by 0.10% to 0.85% from 1 March 2022.

Existing Business Loan customers
As this is the first time rates have risen for some years we are giving existing customers who have facilities with us 60 days’ notice of this change. So if you hold a variable rate loan with us following the BoE base rate increase we have increased Reliance Bank base rate by 0.10% to 0.85%, resulting in the interest rate applicable to your business loan facility increasing by 0.10% from 1 March 2022. Your facility agreement sets out how your interest rate changes.

The Sterling Base Rate of Reliance Bank is set by the bank from time to time taking account of the bank’s cost of funding. The rate does not automatically track the Bank of England Base Rate.


We are proud to be the bank of The Salvation Army International. Find out more about our shared history.

Reliance Bank Limited,
Faith House,
23 - 24 Lovat Lane,

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Reliance Bank Limited. All rights reserved. Registered in England. Registration no. 68835.

Reliance Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Financial Services Register number 204537. Member of the Financial Services Compensation Scheme (FSCS)

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