NatWest Fixed Rate Busines Loan

• A fixed rate that gives you certainty of cash flow for the life of the loan.
• No early repayment charges giving you the flexibility to repay your loan at any time.
• Borrow from a minimum of £25,001 up to a maximum of £250,000.
• No product fees.
• Expires 7 May 2012.

Available over the phone. Lines open 9am-5.30pm Monday to Friday (excluding public holidays). Calls may be recorded.

Security may be required for which a fee may apply. Over 18s only.

ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT.

Fixed Rate Business Loan

• A fixed rate that gives you certainty of cash flow for the life of the loan.
• No early repayment charges giving you the flexibility to repay your loan at any time.
• Fee-free borrowing – no product fees and no early repayment charges.
• Choice of loan amounts – borrow from a minimum of £25,001 up to a maximum of £250,000.
• Repayment holidays – take a break from making capital repayments. Interest will continue to accrue during the payment holiday and your monthly payments may increase afterwards.
• Staged drawdown – take the loan in stages when you need it, up to four drawdowns over 12 months.
• Lump sum repayments – use surplus cash and reduce interest costs at no extra charge.
• Expires 7 May 2012.

Available over the phone. Lines open 9am-5.30pm Monday to Friday (excluding public holidays). Calls may be recorded.

Security may be required for which a fee may apply. Over 18s only.

ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT.

Funding Circle is an online marketplace where small businesses can borrow directly from real people in the UK. Launched in August 2010, people offered over £14m to established and credit worthy businesses in the first 9 months saving businesses thousands of pounds in the process.

Why get a business loan through Funding Circle?

• It’s low cost.
• Quick and easy application process (Complete in stages 24 / 7 when convenient for you).
• No early repayment fees.

Loans are:

• £5,000 - £100,000.
• 1 or 3 year term.
• Unsecured monthly repayment loans.

Business criteria:

• At least 2 years of filed accounts.
• No County Court Judgements.

Start-up business accounts.

We open a new business account every other minute of the working day. That's because we offer much more than you'd expect from a business account.

• Free business banking up to 2 years; terms and conditions apply *
• Free Barclays business seminars
• Free expert advice in your crucial first months

Lloyds Commercial Current Account - Start Up

• 18 month's free day-to-day banking.
• Support from a named relationship manager.
• Free Sage Planning for Business software to help you get your business moving in the right direction.
• Free 90-day trial of Sage Instant Accounts software.
• 90-day free trial of Sage Start-up day-to-day accounts package with up to 50% discount when you open a business account.
• Manage your account through our extensive branch network - the largest in the UK.

Lloyds Commercial Current Account - Switcher

Moving your account to Lloyds TSB is much easier than you would expect. We understand how daunting changing banks can be. Even if you are unhappy with your current bank, you may not want the added hassle of switching. That’s why we’ll give you a named contact within a team dedicated to managing your change over, leaving you free to concentrate on your business plus 6 months’ free day-to-day business banking.

• Smooth move guaranteed or £50 back.
• 6 months' free day-to-day banking.
• A named contact who will manage your move.

Santander have designed a simple, straightforward Business Current Account to offer a real alternative to some traditional high street banks:

• Fixed monthly fee based on your monthly deposits.
• Your own Local Business Manager.
• Safe and secure online banking 24/7.
• Access to 10,500 Post Office® branches across the UK.

Free business banking to get your business off to the best start.

Santander Business Start-up Account offers you:

• 12 months's fee free banking.
• no monthly fee.
• free unlimited cash deposits.
• free transactions (e.g. bill payments, standing orders, cash and cheque deposits).
• You'll get a great service from your Local Business Manager.
• Pay for non-standard transactions only, such as CHAPS and change-giving.

Are you sick of chasing payments for completed work? Are late payments from your customers causing cashflow problems?.

Touch Financial held a recent survey that showed 47% of businesses were turned down for a loan in the past 12 months, so what’s the solution?

Invoice finance can help to sustain a healthy cashflow and also assist your business to realise its full growth potential. Touch Financial work with over 20 of the UK’s leading lenders to find the most suitable funding solution for your business.

• Release up to 95% of the value of your invoices and grow your business.
• Our service is free and confidential
• Short-term contracts and trial periods available, ideal for first time users.
• Favourable rates and offers when going through Touch.

Working with over 20 of the UK’s leading lenders:

NatWest Fixed Rate Deposit

• This is a limited offer that closes no later than the 15th February 2012.
• Choose from general or enhanced fixed rate.
• Minimum deposit of £5k.
• Fixed from 6 months to 3 years.
• Up to 3.00% AER/Gross.
• Conditions may apply for early withdrawals or terminations.
• Maximise the returns on any cash reserves your business holds.
• A secure return over a range of fixed terms.
• Business customers only.

Available over the phone. Lines open 9am-5.30pm Monday to Friday (excluding public holidays). Calls may be recorded.

RBS Fixed Rate Deposit

• This is a limited offer that closes no later than 15th February.
• Choose from general or enhanced fixed rate.
• Minimum deposit of £5k.
• Fixed from 6 months to 3 years.
• Up to 3.00% AER/Gross.
• Conditions may apply for early withdrawals or terminations.
• Maximise the returns on any cash reserves your business holds.
• A secure return over a range of fixed terms.
• Business customers only.

Available over the phone. Lines open 9am-5.30pm Monday to Friday (excluding public holidays). Calls may be recorded.

Santander 1 Year Fixed Rate Business Bond 3.00% AER (fixed) for balances of £25k - £5m for 12 months. Available to both new and existing customers with a business turnover of up to £2.5m.

Features
Interest Rate:
3.00% Gross/AER (fixed)
Minimum Balance:
£25,000

• Call 0800 783 6911 to find out more*.
• Enjoy the certainty of a guaranteed rate of interest on your surplus cash.
• Bond details:
  Length of term = 1 Year
  Rate 3.00% Gross/AER (fixed)
  Min. deposit = £25k & Max. deposit = £5m.
• Interest is paid on maturity 1 March 2013.
• No withdrawals, additional deposits or early closures are allowed during the 12 month term.

*Lines are open Monday to Friday 9am to 5pm. Telephone calls may be recorded and monitored.

HiFX Online allows businesses to convert £250 – £300,000 at the touch of a button and gives you the quickest, easiest and most cost effective way to pay overseas suppliers and staff, receive international payments, settle invoices and conduct business abroad.

Better still, with free international payments you’ll avoid unnecessary bank charges or having to queue in your bank’s high street branch.

• Consistently better exchange rates.
• Free international payments.
• A simple online service which ensures your company conducts all of its international transactions quickly, easily and securely..
• The facility to undertake same day delivery of international payments.
• Full online account and transaction history accessible 24 hours a day.

Barclaycard
Business credit card
21.7% APR Representative (variable)
£32 annual fee.

Cashflow benefits

• 0% interest on purchases for 3 months.
• 21.7% APR Representative (variable).
• Up to 56 days’ interest-free credit when you pay off your balance in full and on time each month.
• Option to carry your balance over from one month to the next

Discounts and protection benefits

• Discounted essential supplies and services with partners including The AA, Ryman and Reed.
• Purchase protection, Travel Accident Cover, Cardholder Misuse protection and extended warranties included.

Flexibility benefits :

• Get a choice from minimum to full payment when your company statement arrives. (Please be aware, though, that it takes longer to pay off debt, and you'll be charged more interest, if you only pay the minimum.) .
• Complete separation of your personal and business expenditure.

A business credit card could be right for you if:

• You, in the past 5 years, have not been declared bankrupt, been refused credit or have any county court judgments outstanding.
• You are not more than two months in arrears with any payments or you have been part of any form of repayment plan in the last 5 years.
• Your expected gross income in the next 12 months is more than £10,000.

The business bank account designed for businesses that prefer the convenience of internet and telephone banking.

• 6 months free business banking for switchers with a turnover below £500,000.
• Manage your account with free Business Internet Banking and Business Telephone Banking.
• This account is limited to businesses with an annual turnover below £500,000.

The business bank account designed for businesses that prefer the convenience of internet and telephone banking.

• 18 months free Business Banking.
• Manage your account with free Business Internet Banking and Business Telephone Banking.
• This account is limited to businesses with an annual turnover below £500,000.

The business bank account suited to start up businesses that prefer to use cash and cheques, offering the flexibility of branch, telephone and online banking.

• 6 months free business banking for switchers with a turnover below £500,000.
• Traditional branch banking, but with the flexibility of online and telephone banking as well.
• Free business support and resources through our online Knowledge Centre and Business Network.
• Account maintenance fee of £3.15 per month applied when there has been activity on the account.
• For businesses with a projected turnover below £2 million.

The business bank account suited to start up businesses that prefer to use cash and cheques, offering the flexibility of branch, telephone and online banking.

• 18 months free Business Banking.
• Traditional branch banking, but with the flexibility of online and telephone banking as well .
• Free business support and resources through our online Knowledge Centre and Business Network.
• Account maintenance fee of £3.15 per month applied when there has been activity on the account.
• For businesses with a projected turnover below £2 million.

B2B mortgages are specialists in sourcing Commercial Mortgages for sole traders, partnerships, limited companies and investors. They search all lenders available for the lowest possible rates. B2B Mortgages customers can benefit from the following:

• Variable rates from 2.25% over Bank of England base rate (Currently 0,5%) equivalent to 2.75%.
• Up to 80% Loan to Value (Owner occupier) 70% (Investment).
• Minimum £50,000 - Maximum £40 million.
• Repayments from 5 to 30 years.
• No broker fee - saving you £500 - £2000.
• Free Quote with no obligation.

Deluxe Account – pay monthly account – £9.95 purchase fee & £9.95 monthly fee

Following benefits are included:

• Unlimited purchases in the UK.
• FREE Additional Cards on the Account (up to 99) - £4.95 each.
• FREE purchase transaction – online and in-store .
• FREE online banking.
• FREE ATM cash withdrawals in the UK (£3 Abroad).
• FREE Bill Pay.
• FREE Currency Cards – Euro & Dollar.
• FREE Company Name embossing.
• Cashback on all purchases – 1% for first £1,000, 0.5% thereafter.

The great alternative to a business bank account, FREE Purchase Protection and UK ATM withdrawals and the only prepaid card that offers Cashback on all purchase transactions.