{"meta":{"LastUpdated":"2026-09-17T09:16:57Z","TotalResults":1,"Agreement":"Use of the APIs and any related data will be subject to the terms of the Open Licence and subject to terms and conditions","License":"https://www.openbanking.org.uk/open-licence","TermsOfUse":"https://www.openbanking.org.uk/terms"},"data":[{"Brand":[{"BrandName":"Santander UK PLC","SMELoan":[{"Name":"Business Loan","Identification":"1438660000042","Segment":["Business"],"SMELoanMarketingState":[{"Identification":"Business Loan","MarketingState":"Regular","FirstMarketedDate":"2026-03-30","LastMarketedDate":"9999-12-31","LoanInterest":{"LoanInterestTierBandSet":[{"TierBandMethod":"Whole","CalculationMethod":"SimpleInterest","LoanInterestTierBand":[{"TierValueMinimum":"1000","TierValueMaximum":"50000","TierValueMinTerm":1.0,"MinTermPeriod":"Year","TierValueMaxTerm":7.0,"MaxTermPeriod":"Year","FixedVariableInterestRateType":"Fixed","RepAPR":"11.2","LoanProviderInterestRateType":"FixedRate","LoanProviderInterestRate":"11.2","Notes":["Loan amount of £10,000 with a monthly repayment of £215.75 over a loan term of 60 months at a rate of interest per annum (fixed) of 11.2%. This is equivalent to 11.2% APR representative. Total amount repayable is £12,945.00."]}],"LoanInterestFeesCharges":[{"LoanInterestFeeChargeDetail":[{"FeeType":"EarlyRepayment","NegotiableIndicator":false,"ApplicationFrequency":"OnClosing","CalculationFrequency":"OnClosing"}],"LoanInterestFeeChargeCap":[]}]}]},"Repayment":[{"RepaymentType":"CapitalAndInterest","RepaymentFrequency":"Monthly","AmountType":"CapitalAndInterest","RepaymentFeeCharges":{"RepaymentFeeChargeDetail":[{"FeeType":"EarlyRepayment","NegotiableIndicator":false,"FeeRateType":"FixedRate","ApplicationFrequency":"OnClosing","CalculationFrequency":"OnClosing"}]}}],"Eligibility":{"OtherEligibility":[{"Name":"Business Only","Type":"BusinessOnly","Indicator":false},{"Name":"Credit Scoring","Type":"CreditScoring","Indicator":false},{"Name":"Existing Customers","Type":"ExistingCustomers","Indicator":false,"Textual":"Customer must already have an existing Santander Business Current Account."},{"Name":"ID and Verification","Type":"IdAndV","Indicator":false}],"AgeEligibility":{"MinimumAge":18.0,"Notes":["You and all other partners, members, directors or shareholders are aged 18 or over"]},"ResidencyEligibility":[{"ResidencyType":"Incorporated","ResidencyIncluded":["GRBR"]},{"ResidencyType":"Owner","ResidencyIncluded":["GRBR"]}],"LegalStructureEligibility":[{"LegalStructure":"SoleTrader"},{"LegalStructure":"Partnership"},{"LegalStructure":"LLP"},{"LegalStructure":"Ltd"}],"OfficerEligibility":[{"OfficerType":"Director","MinAmount":1,"MaxAmount":2},{"OfficerType":"Owner","MinAmount":1,"MaxAmount":1},{"OfficerType":"Partner","MinAmount":2,"MaxAmount":2}],"IDEligibility":{},"CreditCheckEligibility":{"ScoringType":"Hard"},"IndustryEligibility":{}},"FeaturesAndBenefits":{"FeatureBenefitGroup":[],"FeatureBenefitItem":[{"Identification":"EarlySettlement","Type":"EarlySettlement","Indicator":false,"FeatureBenefitEligibility":[{"Name":"None","Type":"Other","Indicator":false}]},{"Identification":"FlexibleRepayment","Type":"FlexibleRepayment","Indicator":false},{"Identification":"OverPayment","Type":"OverPayment","Indicator":false}]},"OtherFeesCharges":{"FeeChargeDetail":[{"FeeType":"EarlyRepayment","NegotiableIndicator":false,"ApplicationFrequency":"OnClosing","CalculationFrequency":"OnClosing","Notes":["You can repay all or part of your loan at any time. There is no charge for repaying part of your loan early. However, if you repay the full amount of your loan early, you will be charged up to an additional 30 days of interest."],"FeeApplicableRange":{}}]},"CoreProduct":{"ProductDescription":"Small business loan for customers who already have a Santander Business Current Account. Pay back over 1-7 years. Borrow between £1000 and £50000","ProductURL":"https://www.santander.co.uk/business/borrowing-and-finance/loans","TcsAndCsURL":"https://www.santander.co.uk/business/support/customer-support/tc-and-important-information/","SalesAccessChannels":["Branch","CallCentre"],"ServicingAccessChannels":["Branch","CallCentre","Online","Post","MobileBankingApp"],"EarlyPaymentFeeApplicable":true,"OverPaymentFeeApplicable":false,"LoanApplicationFeeChargeType":"NoLoanApplicationFee","OverpaymentAllowedIndicator":true,"FullEarlyRepaymentAllowedIndicator":true,"Notes":["Account can also be opened via mobile banking app for sole traders"]}}]}]}]}]}