High-growth scale-up banking

Fit for purpose

As your ownership and finance needs get more complex, not every bank can keep up. That’s their problem, but it ends up being yours.

Specialists in scale-ups

If your bank gives you the same account they offer to an early-stage startup, something’s not right. You deserve dedicated support and flexible products as a minimum.

Fast to act

From assisted account opening and UK based support, to lending tailored to your business, we're with you every step of the way.

Powered-up P&L

Once you’ve received the funds from your latest round or big client win, your cash could earn an inflation-beating return, with instant access.

Step one

Tell us about your business

We want to hear your growth story, from biggest milestones to future plans and forecasts. Share the highs and lows without a worry – we understand the nuances of running a scaling business.

Step two

History and trajectory

Our relationship management and underwriting teams consider your potential as well as your current financials. A bank that bothers to understand your business... it’ll never catch on.

Step three

Access all areas

You’ll be given a named relationship manager to go with your shiny new Business Rewards Account⁴, as well as access to a variety of cashflow, working capital, and asset-focused lending.⁵

What qualifies a business as 'high-growth' or a 'scale-up'?

Broadly, a UK business consistently growing its revenue by 20%+ year-on-year.

Do we need to be VC-backed to qualify?

No. Most of the businesses we support are bootstrapped or funded by company profits, not venture capital.

We have a complex ownership structure (multiple directors, holding company, overseas parent). Can you still bank us?

Yes. This is the kind of complexity our onboarding team look at when reviewing applications.

Can you help us open an account quickly for a grant deadline?

Yes. Our onboarding is built to move quickly for time-sensitive funding such as grants.

What lending do you offer high-growth businesses?

Asset-agnostic, growth-focused lending, underwritten with your trajectory taken into consideration. Plus, you can access our full range of standard business lending. All lending conversations will involve your relationship manager, who can help you understand the best path.

All lending is subject to status, lending criteria, and a satisfactory credit assessment. Terms and conditions apply.

Can we earn interest on surplus cash from a funding round?

Yes. We offer competitive rates in our instant access Savings Pot, linked to your Business Rewards Account. Your money can grow, while still being totally accessible.

Do you integrate with our accounting software?

Yes – we integrate with Xero, QuickBooks, Sage and FreeAgent.

Expand for more answers +

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

2. Rate includes standard rate of 2.83% AER (minimum balance applies) plus a 0.5% boost each month if you make 15 bank transfers out of the account in the previous month, and a 0.5% boost for six months if you complete a switch with CASS and a 0.25% Welcome Boost for 3 months for new customers who deposit £50,000+ into their Savings Pot within 14 days. Rates correct as of 17th September 2026. ‘AER’ stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Subject to eligibility – see Savings Pot Key Product Information for more details.

3. Asset finance and growth finance services are provided by Allica Financial Services Limited trading as Allica Bank Asset Finance. Registered office: 4th/5th Floor, 15 Worship Street, London EC2A 2DT. Incorporated under the laws of England and Wales with company number 12784979. Allica Financial Services Limited is not authorised or regulated by the Prudential Regulation Authority or the Financial Conduct Authority. The asset finance and growth finance products offered by Allica Bank Asset Finance are not regulated products.

4. Subject to Eligibility. Terms and Conditions apply.

5. All lending is subject to status, lending criteria, and a satisfactory credit assessment. Terms and conditions apply.

Criteria	Description
Loan size	£150,000 to £15 million
Repayment type	5-year interest only 5-year partially amortising
Arrangement fee	2.0%
Debt service cover	Commercial: 130% Semi-commercial: 120% Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates.
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years

Criteria	Description
Loan size	£150,000 to £10 million
Repayment type	30 year capital & interest 5-year interest-only available at the start of the loan term for loans up to 75% LTV
Arrangement fee	1.5%
Debt service cover	130% Calculated on the rate not including the current account discount Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years
Owner-occupied hotels	Loans over 80% of VP value must be fully amortising from day one Personal guarantee to be given for any amount in excess of 70% of VP value

Criteria	Description
Loan size	£200,000 to £15 million
Repayment type	5-year interest only
Arrangement fee	2.0%
Interest cover	130% standard, 145% higher rate taxpayer Gross rent used for residential/ MUFB applications if; evidence of 3 months' loan repayments in cash via bank statements and one UBO/director with Experian Consumer score of 881+ plus a supporting personal guarantee. Otherwise we will use net rent assumption of gross rent minus 10%. HMO properties will always be assessed using gross rent minus 25%
Early repayment charges	5%, 4%, 3%, 2%, 1% (years 1–5)

Criteria	Description
Loan size	£500,000 to £15 million £5 million maximum loan for first time buyers
Repayment type	Capital and interest Experienced operators: 30 years First time operators: 20 years
Arrangement fee	1.5%
Debt service cover	130% adjusted EBITDA for children’s nurseries and experienced care operators 150% adjusted EBITDA for care first-time buyers Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates
Minimum size	Care homes: 20 bedrooms Specialist care: 4 bedrooms, if one or two properties, and flexible if there are three or more properties Children's nurseries: 40 places
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years
Specialist care operators	Children’s learning disability care Adult learning disability residential care Adult supported living Minimum of three years as a specialist care home owner-operator required

Criteria	Description
Loan size	£150,000 to £10 million
Maximum loan to value	75% for residential and semi-commercial properties, 70% for commercial
Term	Up to 24 months
Fees	Arrangement fee of 2%, deducted from advance
Borrowers	UK registered limited companies, LLPs, partnerships and sole traders
Security	First legal charge over freehold or long leasehold title(s)
Insurance	Title insurance and search indemnity applied where possible
Valuations	AVMs and desktop valuations available up to 70%
Interest	Retained or serviced

Criteria	Description
Borrowers	UK registered limited companies, LLPs, partnerships and sole traders
Cost plan	Cosmetic: Higher of 15% of OMV, or £50,000 per property. Light: Higher of 50% of OMV, or £75,000 per property. Medium: Higher of 100% of OMV, or £100,000 per property.
Monitoring	Cosmetic and Light refurbishment to be monitored by our asset manager. Medium Refurbishment to be monitored by our QS.
Valuations	Full RICS valuation
Interest	Rolled. Rates are fixed and charged daily in arrears
Refurbishment type	Cosmetic: Works to improve speed of letting and compliance with regulations. Examples include redecoration, EPC improver works, compliance with utility regulations, boiler upgrades, modernisation. Light: As with Cosmetic, but higher cost plan. Medium: Loft conversions, reconfigurations, single story extensions, commercial to residential schemes.

Criteria	Description
Borrowers	UK registered limited companies, LLPs, partnerships and sole traders
Cost plan	Cosmetic: Higher of 15% of OMV, or £50,000 per property. Light: Higher of 50% of OMV, or £75,000 per property. Medium: Higher of 100% of OMV, or £100,000 per property.
Monitoring	Cosmetic and Light refurbishment to be monitored by our asset manager. Medium Refurbishment to be monitored by our QS.
Valuations	Full RICS valuation
Interest	Rolled. Rates are fixed and charged daily in arrears
Refurbishment type	Cosmetic: Works to improve speed of letting and compliance with regulations. Examples include redecoration, EPC improver works, compliance with utility regulations, boiler upgrades, modernisation. Light: As with Cosmetic, but higher cost plan. Medium: Loft conversions, reconfigurations, single story extensions, commercial to residential schemes.

Banking that scales with you

Your bank can be a partner, not a problem

Explore your options

Backing ambitious businesses

Business Rewards Account

Dedicated relationship manager

Growth-focused lending

Integrations and Allica tools

How it works

Tell us about your business

History and trajectory

Access all areas

No more “sorry, we can’t help”

Don’t just take our word for it

Frequently asked questions

Your bank can be a partner,
not a problem