Business Loans
Help grow your business with a Virgin Money business loan
Explore our Business Loans
Base Rate Loan
- A flexible loan linked to the Bank of England base rate
- Borrow from £30,000 up to £10m
- Up to a 20 year term available
Fixed Rate Loan
- A fixed rate loan for up to 5 years
- Borrow from £30,000 up to £10m
- You can choose to pay interest monthly or quarterly
SONIA Loan
- For borrowing over £2.5m
- For businesses with a turnover of over £6.5million
- Flexible repayment options
Flexible financing for your business
Whether it's to buy new premises, purchase stock or equipment, or just to cover an unexpected cost, we have a range of loans to suit your business.
- Loans starting from £30,000
- Up to a 20 year repayment term
- Fixed or variable interest rates
What you need to know
Interest Rates
Every business is unique. We'll always offer you our most competitive rate based on your circumstances.
Eligibility
Terms and conditions apply. All loans are subject to status and eligibility. Applicants must be aged 18 or over. You must be based and operate in the UK (excluding Channel Islands, Isle of Man & Northern Ireland) and have a business purpose for your loan.
Personal guarantees, security and fees
To lend your business money, we may need a personal guarantee from you or someone else. Or security from your business or a guarantor. We may not be able to lend to your business without it.
Your business and guarantor should get legal advice before providing a guarantee or security. If your business breaks its borrowing agreement, your assets will be at risk. They may be sold to repay the business or guarantor’s debt. This includes property.
Security and guarantees reduce our lending risk. They remain in place until your business repays all its debt to us.
You can find out more about personal guarantees on the UK Finance website Link opens in a new window.
Arrangement and other fees may apply.
Bringing Nationwide and Virgin Money together
Virgin Money’s business will become part of Nationwide on 2 April 2026, subject to Court approval.
These changes could impact your protection under the Financial Services Compensation Scheme (FSCS).
Understand what this means for youGet in touch
Find out more about how our loans may be able to help you.
Just so you know...
- To consider any business lending request we require to see at least 12 months of active trading activity.
- You will need to obtain consent for personal searches of each party associated with the business.
- To allow a full credit assessment, you may need to provide financial accounts, cashflow statements and/or projections as part of your application.
- We may ask you for a personal statement of assets and liabilities.
- We may need a personal guarantee from you or someone else. Or security from your business or a guarantor.
- Enquiries will be responded to within 7 days.
