Santander Business Loan Calculator

Santander at a glance

Santander UK is one of the UK’s largest banks, forming part of the global Banco Santander group. It delivers a wide range of financial services, including business banking, loans, and cash flow support to companies across multiple sectors.

Through its business finance offering, Santander helps SMEs and established firms access the funding they need to grow. From flexible loans to asset-based lending and commercial property finance, its solutions are designed to support both short-term needs and long-term ambitions.

What business finance products does Santander offer?

Santander provides a broad suite of business finance solutions designed to support companies at different stages of growth. From straightforward loans to more complex asset-based lending, their products are built to help businesses manage cash flow, invest in expansion, and unlock capital tied up in assets.

Business Loan

Santander business loans are designed for established UK businesses looking to fund growth, manage cash flow, or invest in new opportunities. Funding is available from £25,001 and is tailored to businesses with a turnover of at least £250,000, with flexible structures to suit a wide range of requirements.

Santander offers different loan structures depending on how much certainty or flexibility your business requires. A Variable Rate Term Loan allows the interest rate to move over time, making it suitable for businesses that are comfortable with potential changes in repayments. Alternatively, a Commercial Fixed Rate Loan provides a set interest rate, offering predictable repayments and greater control over cash flow.

Loan amounts	£25,001 to £5m
Loan terms	1 year to 25 years

Key features:

• Available to UK businesses with turnover from £250,000
• Choice of fixed or variable interest rate options
• Flexible repayment terms tailored to your business

Commercial Mortgage

Santander commercial mortgages are aimed at UK businesses with a turnover exceeding £250,000 that are looking to purchase or refinance their trading premises. Loan amounts typically start from £25,001 and are secured against the property being financed.

These facilities can be used for the purchase of a new commercial premises for business trading, to refinance existing lending secured against premises, or to unlock cash tied up in existing property.

This type of finance is suitable for businesses seeking long-term stability in their premises costs, with a range of repayment structures available to suit different cash flow requirements.

Loan amounts	Borrow from £25,001
Loan terms	Up to 25 years

Key features:

• Flexible repayment options, including interest-only periods
• Choice of fixed or variable rate facilities
• You can make prepayments at any point during the termof the loan

Invoice finance & asset based lending (ABL)

Santander’s invoice finance and asset-based lending solutions are designed to improve cash flow by unlocking capital tied up in unpaid invoices and business assets. Businesses can access funds as invoices are raised, helping to bridge payment gaps and maintain steady operations.

Asset-based lending goes further by allowing businesses to borrow against inventory, machinery, and other assets, making it a scalable funding option as the business grows.

Loan amounts	Access up to 90% of invoice value upfront
Loan terms	-

Key features:

• Access up to 90% of invoice value upfront
• Additional funding against assets like stock and equipment
• 24/7 online account access and monitoring

Growth Capital Loan

Santander Growth Capital loans are tailored for established businesses with strong growth potential. Typically available to companies with turnover up to £50 million, these loans support expansion, acquisitions, or strategic investment.

Loan amounts generally range from £500,000 to £5 million and are often used alongside other senior debt facilities. Repayment is usually structured over a shorter term, with capital repaid at the end or refinanced.

Loan amounts	£500,000 to £5m
Loan terms	2 years to 5 years

Key features:

• Designed for high-growth, profitable businesses
• Flexible repayment, often with a bullet payment at term end

Additional business finance solutions from Santander

In addition to the core products above, Santander also offers a variety of other funding solutions to support different business needs. These include overdrafts for short-term cash flow, cross-currency overdrafts for international businesses, as well as structured and specialised finance for more complex funding requirements. All lending is subject to status and Santander’s lending criteria.

Calculate your Santander Business loan costs

Use our Santander business loan calculator to estimate your potential borrowing costs in seconds. You can quickly see monthly repayments, total interest payable, and the overall cost of your loan based on different amounts, terms, and rates.

Whether you’re considering a Santander funding option or reviewing an existing offer, the calculator helps you understand the numbers clearly before making a decision. You can adjust figures, compare scenarios, and plan your borrowing with more confidence.

If you’ve already received a quote and want to compare it with other lenders, we can help you explore alternative options to ensure you’re getting the most suitable deal for your business.