Guide to borrowing

Available to

  • SMEs thinking of applying for finance for growth
  • Businesses that have had applications declined.

We want to support your business but it’s not always possible for us to offer you lending. In these situations, we’d like to help by giving you some information about other sources of finance and support that may be available to you.


While we don’t endorse or recommend any particular source on this list, it may help you to get started on finding other ways to get the finance you need for your small to medium sized business.

Santander UK plc will not receive any commission and is acting as a credit broker and not as a lender.

Government Designated Finance Platforms

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Alternative Business Funding provide an easy way for SMEs to find a vast array of funding choices.

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Funding Options

Funding Options specialise in finding finance for businesses who've been told 'No' by other funders, helping you to quickly scan the wider market and to make lenders compete to work with you.

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Funding Xchange

One quick search with Funding Xchange returns indicative offers from lenders who want to fund your business.

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Business Banking Insight (BBI) is an independent website that has been designed to share real small and medium businesses banking experiences across different products and services.

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General help and support services

Better Business Finance

Better Business Finance offers information on a wide variety of finance providers from across the UK, including business angels, regional funds and government schemes.

Find out more is an easy-to-use search engine for businesses to find a suitable local mentor.

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Alternative Funding


Crowdfunder use the power of the crowd. People donate money in exchange for non-financial rewards, normally given through business activities.

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Funding Circle is the leading direct lending platform focussed on supporting small businesses that have at least two years trading, with unsecured business loans. Please get in touch on 0800 242 5658 or via

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Start Up Loans

Start Up Loans is a government funded scheme operating across the UK providing loans, mentoring and other support to start ups and early stage businesses.

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Protecting your money - Financial Services Compensation Scheme (Opens in a new window)