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.

If your application has not been successful, you have the right to request a referral within 30 days to a Government Designated Finance Platform who will seek to match your business’ needs with the most suitable lender for your circumstances.

If you would like to request a referral to the Government Designated Finance Platforms, then please call us on 0800 681 6684 within 30 days. We’re available Monday to Friday 9am to 5pm.

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

Government Designated Finance Platforms

abf logo

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

Find out more

Business Finance Compared

Business finance compared is a comparison website dedicated to helping SMEs find a range of finance available (including current accounts).

Find out more

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

Funding Circle is an online peer-to-peer lender which provides loans by allowing individual investors to lend money directly to small businesses.

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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.

Find out more

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

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