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Commercial intermediaries

Helping you to help your clients

Welcome to Handelsbanken

If you're looking to secure finance for your client for assets, property or to help with business development, capital investment or improve cash flow, we could help. Experienced at working with intermediaries and with over 40 years local knowledge and expertise, we'll work together to meet your client's specific needs, whether that's building a business, property portfolio or making a move to sustainability.

Proud Patron Lender

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The Handelsbanken difference

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  • All cases are manually underwritten 
  • You have direct access to the decision makers, locally 
  • We’ll make decisions quickly for you, even if we can’t help
  • Our products are designed around the needs of your client 
  • We take the time to understand cases with multiple cash flow streams,
  • We’re able to consider unusual property types, including holiday lets, HMOs and MUFBs 
  • We’re able to consider portfolio lending
  • Sustainable product range available
  • The structure and rate/fees is based on specific circumstances and the nature of the security offered

Our products

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Corporate lending

  • Capital investment and business development
  • Refinancing debt and improving cashflow
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Property finance

  • Residential and commercial property portfolios
  • Commercial and investment properties (purchase/refinance)
  • Land, forest and agricultural estates
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Sustainable options

  • Sustainable loans
  • Discounted rates for sustainable choices
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Asset finance

  • Plant, equipment and IT
  • Commercial and green vehicles

Working with us

We know your clients' situation and requirements can be unique, so we'll assess each case individually. Our corporate manager will have an initial discussion with you, if we can help we'll get to know your client's situation and aspirations in more detail, to get to the right solution for them. Everything will be handled at the local branch and both you and your client will have a dedicated account manager from day one.

Talk to your branch about our procuration fees and eligiblity.

Our approach in action: delivering great results for your clients

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Case study: Wharf Financial

Building on a long-standing broker relationship, to navigate the challenges of delivering a sustainable finance product.

Case study: Wharf Financial
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Case study: Funding Friends

Securing finance for a client retuning to a more relationship-led approach to banking.

Case study: Funding Friends

Lending criteria and eligibility

  • No minimum or maximum loan amount
  • Option to select a variable (1) or possibly a fixed (2) rate with monthly or quarterly repayments 
  • The loan can be repaid early in full or in part -  subject to the terms and conditions of the loan
  • UK residents (ie sole traders and partnerships where all the partners are resident in the UK)
  • Companies/LLPs incorporated and registered in the UK
  • Overseas companies registered in the UK which have a UK branch or establishment ("UK establishment company") where both the overseas company and the UK establishment company are registered at Companies House (with an FC and BR code respectively) and the account is for the business of the UK establishment company
  • We’re a relationship bank so the loan must be serviced from a Handelsbanken account in name of the borrower

How to get in touch

If you’re interested in working with us or would like to discuss a case, contact your local branch here.
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(1) Variable rate – you pay an agreed interest rate margin, which is added to reference rates such as the Bank of England Base Rate. This allows you to benefit if interest rates fall, but could leave you exposed to increased repayments if rates rise. (2) Fixed rate – you have a fixed payment amount so you can be sure of the amount of your repayments for the fixed term. If the loan is repaid early, a prepayment fee will be payable and if you prepay the loan within a fixed rate period, you will also have to pay a fixed rate break fee