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Important information

Further information about our Business Rewards Account:

Eligibility criteria

Our Business Rewards Account is a current account designed for established businesses who:

  • are incorporated for a minimum of 12 months
  • keep a balance of £50,000 or more in their account
  • or have a loan product with us

See Key Product Information for further information.

Savings Pot

Rate includes standard rate of 3.58% AER, plus a 0.5% boost each month if you make 15 bank transfers the previous month, and a 0.5% boost for six months if you complete a successful switch with the Current Account Switch Service (CASS). Rates correct as of 11th February 2025. 'AER' stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Cashback

Cashback is variable based on eligibility and spend. See a full list of limits and fees here.

Eligibility criteria

To be eligible, your business must have two full years of financial accounts and be either a Limited Company or LLP registered at Companies House, or a partnership or sole trader that operates in England, Scotland or Wales.

Businesses can access a range of hard, medium and soft assets including manufacturing equipment, transportation, plant and machinery, materials handling equipment, textile equipment, robotics, medical equipment, scaffolding, telecoms and more.

Eligibility criteria

UK-registered limited companies, typically with two years of full financial accounts. Your business must be based in England, Scotland or Wales and trade on a business-to-business basis.

Eligibility criteria

Your business must have two full years of financial accounts and be either a Limited Company or LLP registered at Companies House, or a partnership or sole trader that operates in England, Scotland or Wales.

Businesses can include those trading from freehold/long leasehold property in England, Scotland and Wales e.g. offices (including professional practices), industrial units, mixed-use, warehouses, factories, retail, hotels, guest houses, restaurants, public houses, convenience stores and children’s day nurseries. Security will be required.

Eligibility criteria

Available for UK registered limited companies, LLPs, partnerships and sole traders in England, Scotland and Wales.
 

Commercial property finance tailored to fit your business.

Commercial mortgages

Secure up to £10 million to help your business reach its property goals. Speak to our expert business relationship management team today.

Enquire now Product guide (PDF)
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Borrow between £150k - £10m

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Fast decision-making

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Up to 80% loan to value

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Relationship manager

Rapid decisions made by real people.

Whether you’re buying a business premises, investing in property, or refinancing an existing business mortgage, our relationship managers will work closely with you to understand the unique needs and strengths of your business.

And we know how important speed and clarity can be. Once you’ve made an application, our expert team will work fast to move things along as quickly as possible.

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simon-richards
“We were almost three months into an application with one high-street bank and still weren’t made an offer. Allica were able to make us a commercial mortgage offer within seven days of making the application.”
Simon Richards
Director of Fuel Accountancy

Commercial owner-occupied mortgage

£150,000
Min. loan
£10 million
Max. loan
80%
Max. LTV
5 - 25 years
Term
1.5%
Arrangement fee

Commercial investment mortgage

£150,000
Min. loan
£10 million
Max. loan
75%
Max. LTV
5 years
Term
2.0%
Arrangement fee

To be eligible, your business must have two full years of financial accounts and be either a Limited Company or LLP registered at Companies House, or a partnership or sole trader that operates in England, Scotland or Wales. 

Businesses can include those trading from freehold/long leasehold property in England, Scotland and Wales e.g. offices (including professional practices), industrial units, mixed-use, warehouses, factories, retail, hotels, guest houses, restaurants, public houses, convenience stores and children’s day nurseries. Security will be required.

For more information, read our tariff of fees, our mandatory information checklist or our fixed rate breakage costs facts sheet.

 

help-my-business

How can a commercial mortgage help my business?

  • Own your premises – stop renting and take more control of your costs and future.
  • Raise capital – release capital to invest in growth elsewhere by refinancing your commercial property.
  • Generate income – invest in property to target capital growth or use it as a source of rental income.
  • Diversify your business – spread your risk and broaden your revenue streams.
ovais-ahmed
“It’s always difficult having the uncertainty of being a tenant. It was important that we owned the building to allow us to be innovative and invest in enhancing every aspect of the nursery’s environment.”
Ovais Ahmed
Owner of Kinder City Nursery

We’re giving established businesses the banking they deserve

Transforming relationship banking with great rates, smart people and powerful technology. It’s a new take on an old idea – just like our orange hats.

See the difference a better bank can make

Enquire now

Speak to our team about how we could help your business with a commercial mortgage.

 

Please ensure you meet our eligibility criteria.

 
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