Metro Bank Business Loan
Metro Bank offers business loans from £1,000 to £250,000 with APRs ranging from 6.0% to 15.0% and flexible terms of 12 to 60 months.
Last checked on September 4, 2026. We may earn a commission when you click through.
Metro Bank Business Loan
Updated 1 month agoAPR Range
6.0–15.0%
Amount
£1k–£250k
Term
12–60 months
Type
business
You'll be redirected to metrobankonline.co.uk
Our Verdict
Metro Bank's business loan provides quick approval and no early repayment charges, ideal for businesses needing flexible financing. However, the APR range can lead to higher costs for those with less-than-perfect credit.
Best For
Small business owners with a solid banking relationship who need quick funding for operational expenses.
Watch Out
Requires a Metro Bank business account, which may limit options for those not already banking with them.
Pros
- Quick approval within 1-5 days
- No early repayment charges
- Flexible loan amounts from £1,000 to £250,000
- Designed for UK-based businesses
Cons
- Requires a Metro Bank business account
- Higher APR for lower credit scores
- Limited to UK-based businesses only
- Potential fees for account management
Full Review
With approval times between 1-5 days, the Metro Bank business loan is designed for efficiency, suitable choice for businesses needing urgent funds. The APR ranges from 6.0% to 15.0%, which can be a concern for those with lower credit scores, as they may end up closer to the maximum rate. Unlike some competitors, this loan comes with no early repayment charges, offering flexibility to pay off the loan sooner without penalties.
The £1,000 to £250,000 loan amount range caters to a variety of business needs, from small operational cash flows to larger projects. However, the requirement for a Metro Bank business account may restrict access for businesses seeking to switch lenders or those who prefer alternative banking options. Customer service reviews indicate a generally positive experience, but be aware of the bank's account and operational limitations.
While the loan's terms might seem attractive, businesses should assess their credit standing before applying. Those with a good credit score will find better rates than those with average or poor credit. Overall, this loan is established businesses already using Metro Bank's services.
Who Is This For?
Established UK-based businesses with a Metro Bank account looking for flexible financing solutions.
What Borrowers Say
Borrowers generally report a smooth application process but caution about higher-than-expected APRs.
Summary
Metro Bank offers business loans ranging from £1,000 to £250,000 with APRs between 6.0% and 15.0%, available for terms of 12 to 60 months.
About This Loan
Requirements
- UK-based business
- Metro Bank business account
- Open 7 days a week branches
- No early repayment charges
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