Home About Us Investment Management Business Loans Contact Us Online Banking →
Business Finance Solutions

Business Loans & Credit

Professional lending solutions designed to help your business grow — with working capital lines, term loans, and cash management tailored to your needs.

160k+ Loans Funded
0% Intro APR Rate
24hr Fast Decisions

Lending Solutions for Every Business

From working capital to long-term growth financing, we have a solution tailored to your business objectives.

Working Capital Line

Flexible revolving credit to manage day-to-day operational costs and short-term cash flow gaps with competitive rates.

Flexible revolving credit

Term Loan

Fixed-term structured financing for business expansion, capital investment, and major purchases with predictable repayments.

Fixed or variable rate

Cash Management

Integrated treasury and cash management services to optimise liquidity and maximise returns on surplus funds.

Treasury solutions
Within 24hrs
High Approval Rate
Business Loan
$250,000
Corporate Term Loan · 60 months
Disbursed62%
Monthly
$4,850
Rate
Prime+6.99%
Status
Active

Business Loans Built Around You

Loan solutions designed to help you grow — with professional expertise to meet all your business needs, Heritage Saves UK is your strategic resource. We provide working capital lines of credit, term loans, and cash management services.

Let us customise a corporate solution for you to help maximise profits and lay the foundation for future growth opportunities.

Working capital lines of credit for operational needs

Fixed and variable rate term loans for business expansion

Cash management and treasury services

Fast decisions — approvals within 24 hours

Dedicated relationship manager assigned to your account

To apply for a loan, please contact:

How to Apply in 4 Steps

Our streamlined application process gets you funded faster than traditional lenders.

1
Contact Us

Reach out via email or phone to speak with a dedicated lending specialist about your needs.

2
Submit Documents

Provide your business financials, trading history, and the purpose of the loan.

3
Assessment

Our credit team reviews your application and crafts a customised lending proposal within 24 hours.

4
Receive Funds

Upon agreement, funds are transferred directly to your Heritage Saves business account.

Our Lending Portfolio

Transparent rates and terms across all our business lending products.

Product Rate Loan Size Term Type
Working Capital Line Variable Up to $500k Revolving Credit Line
Term Loan Prime +6.99% $50k – $5M 12–84 months Term
Cash Management Bespoke Unlimited Ongoing Treasury
Trade Finance Competitive $100k – $10M 30–180 days Trade
0% Intro APR
No Annual Fee
•••• •••• •••• 4892
Card Holder
Heritage Saves
Expires
12/28

Business Mastercard®

The Heritage Saves Mastercard® credit card is the ideal choice, offering highly competitive interest rates and simple account terms. Whether you need flexible corporate purchasing funds or wish to transfer high-interest balances from other cards, we have the perfect solution.

0% introductory APR for the first six months on purchases, balance transfers, and cash advances

No annual fee

Supplementary cards available for fleets and authorised users

Variable rate applies after introductory period: Prime Rate + 6.99%

For more details or to apply:

Have questions about our loans or credit products?

Contact Us

Apply for an account in minutes

Open your Heritage Saves account today and access world-class business banking.