Business Credit Facility

Grow your business with a secured credit facility of up to £1,000,000.
Rates starting from 4.95% per year.

A credit facility of up to £1,000,000 for your business

A secured credit facility of £25,000 to £1,000,000

Up to 10 year term available

No setup or early repayment fees

Interest rates from 4.95% per year

How much could I borrow?

Outstanding mortgage
£ 70,000
How much you could borrow
£ 80,000
Value of your property: £200,000
£ 50,000 £ 2,000,000
Value of outstanding mortgage: £70,000
£ 0 £ 2,000,000

We lend a minimum of £25,000. Based on this information, it looks like we’re not be able to provide you with a credit facility. Why not give us a call on 020 3984 9136 to discuss your situation in more detail

120 monthly repayments of: £847

Your home may be repossessed if you do not keep up repayments

Representative Example:  
A Home FlexiLoan of £50,000 drawn out in full over 25 years at a fixed rate of 4.95% for 5 years and then our variable rate of 4.45% for the remaining term would result in 60 monthly payments of £296.63 and 240 monthly payments of £284.33.

The total cost after 25 years is £86,037.30, which includes £35,042.30 interest and a £995 product fee added to the balance.

The overall cost for comparison is 4.96% APRC representative

Significantly cheaper interest rates

Our rates start from 4.95% per year, making our credit facility one of the most affordable currently on the market.

A credit facility that you can dip in and out of

Our flexible facility acts like a line of credit that you can access whenever you like. With no early repayment charges, you can draw down, and pay back whenever you like.

Check your eligibility in minutes

Our application form takes a matter of minutes to fill out and won't affect your credit score. We'll then get back to you with a personalised rate.

Check my eligibility


The Selina Business Loan is a second charge mortgage on your residential property, meaning that you can use the equity in your property as security for the Selina loan on top of your existing mortgage(s).


The Selina Business Loan must be used exclusively for business purposes such as funding your business expansion, refinancing your business or to cover working capital fluctuations.


The Selina Business Loan works like a line of credit. You can draw down as much as you need from your credit limit and repay your Selina Loan without any early repayment or other fees.

Applying for a Business Credit Facility

Apply online

Apply online and we will send you a personalised rate in matter of minutes. There is no obligation to accept.

Submit your supporting documents

Once your eligibility is confirmed, simply submit your documents to us.

Receive your funding

Within days you can have access to your credit facility. Draw down whatever you need in minutes and always with no fees.

Questions about the application process?

Give us a call and speak to our customer service team. We can guide you through the application process and answer any questions you may have.

Our eligibility criteria


  • A business that has been trading for at least 18 months
  • An individual borrowing for a business purpose


  • Own at least one residential property (main residence or buy-to-let) in the UK with less than 75% LTV (loan to value)


  • Have lived in the UK for a minimum of 3 years and have permanent right to reside
  • Strong credit history
Learn more

Trusted by small and large businesses

We've funded individuals from across the UK and helped them achieve their goals

James Sinclair is the founder of the Partyman Company, one of the UK’s most exciting leisure companies. We provided him with a credit facility of £250,000 that will enable him to reinvest the profits made from his business in property. 

Joe Kempster is a 21 year old butcher from Kettering who was looking to establish his very own business. We provided him with an affordable credit facility of £50,000 that enabled him to buyout the owners of a local butcher’s

Phoenix Truck and Trailer Maintenance borrowed £200,000 as they look to hire new staff following the completion of their new state of the art warehouse. We provided them with a large credit facility at competitive rates to achieve their goals and help them grow.

Ready to take the next step for your business?

Check my eligibility