Blog

SMEs

A fresh new look for your login

A fresh new look for your Allica Bank login: clearer, simpler, and just as secure. Find out what’s new and how to recover usernames or passwords.

By Allica Bank

1 minute read · 14 October 2025

SMEs

Allica delivers bridge-to-term loan for landmark Penarth property transformation

2 minute read · 30 September 2025

SMEs

DeskLodge secures refinance to power workspace refresh and brand revamp

2 minute read · 30 September 2025

SMEs

Local entrepreneur secures future of Bristol factory with Allica support

1 minute read · 24 September 2025

SMEs

East Lancashire manufacturer secures £10 million boost to support new ownership and growth plans

2 minute read · 4 September 2025

SMEs

Sales rep takes the wheel of off-road retailer supported by Allica Bank

A major off-road sports retailer based in Minehead has begun an exciting new chapter after being acquired by local entrepreneur and motorsport enthusiast Tom Radburn. Backed by a loan from Allica Bank - the business bank built especially for established businesses - the move sees Tom take over Dirtbikexpress, a market leader in motocross, mountain biking and ADV retail.

By Allica Bank

2 minute read · 1 September 2025

SMEs

What is the advantage of a business savings account? Top 11 advantages explained

6 minute read · 18 July 2025

SMEs

What business savings account should I open? A guide for business owners

6 minute read · 18 July 2025

SMEs

Is my business eligible for FSCS protection? Your guide to coverage in 2025

5 minute read · 18 July 2025

SMEs

How to save money as a business: Top 9 smart cash management strategies

5 minute read · 18 July 2025

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

A fresh new look for your login

Allica delivers bridge-to-term loan for landmark Penarth property transformation

DeskLodge secures refinance to power workspace refresh and brand revamp

Local entrepreneur secures future of Bristol factory with Allica support

East Lancashire manufacturer secures £10 million boost to support new ownership and growth plans

Sales rep takes the wheel of off-road retailer supported by Allica Bank

What is the advantage of a business savings account? Top 11 advantages explained

What business savings account should I open? A guide for business owners

Is my business eligible for FSCS protection? Your guide to coverage in 2025

How to save money as a business: Top 9 smart cash management strategies

Explore award-winning business banking with Allica Bank