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Bank of St Helena is committed to providing its business customers with accessible, affordable and appropriate financing for their commercial ventures. We offer a range of commercial financing options.

Unsecured Business Overdraft

  • For working capital purposes only
  • A source of funding to support the daily operational requirements of a business
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Unsecured Business Loan

  • Borrow up to £5,000 without the need to provide collateral (cannot be used for vehicle purchase)
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Deferred Business Loans

  • Like a normal business loan, however, repayments are deferred for an agreed period
  • Available for Secured / Unsecured Business Loans, Financial Support for Young Entrepreneurs and Agriculture Lending
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Secured Business Loan

  • Allows you to borrow a larger amount of money but collateral is essential
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Secured Business Overdraft

  • For working capital purposes only
  • A source of funding to support the daily operational requirements of a business
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Short-Term Contract Finance

  • Discount Charge – 3% on amounts drawn
  • Faster approval time as a business plan or cashflow forecasts is not required
  • No asset-based guarantees are required as the contract will be the collateral
  • You will be in control of the repayments and can re-use the funds as much as you like for the duration of the facility
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Financial Support for Young Entrepreneurs

  • Interest Rate for Secured Financial Support 4.5%
  • Interest Rate for Unsecured Financial Support 5%
  • Repaid over a period of 5 years
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Agriculture Lending

Customers applying for a personal or commercial loan for the purpose of agricultural activities will receive a lower interest rate:

  • Secured Loan: 4.5%
  • Unsecured Loan: 5%

Bank of St Helena defines agriculture activity as the science or practice of farming, including cultivation of the soil for the growing of crops and the rearing of animals to provide food, wool, and other products.

To apply for an Agriculture Loan, complete the applications found on the relevant pages (e.g. for an unsecured personal loan for agricultural activity, proceed to the unsecured lending page and complete the application there). 

Rates of Interest

All interest rates are variable and can change without notice. The Rate of Interest on your loan will depend on:

  • Whether your loan is secured or unsecured
  • Amount applied for
  • Repayment period

Repayments are debited automatically each month from your Bank of St Helena Business Account. You must ensure that the account has sufficient funds each month to cover your monthly repayment.


  • The applicant is currently operating, or plans to operate, a business on St Helena.
  • The Organisation is registered by the Companies Registrar of St Helena, where it’s legal form is that of a company.
  • The Organisation is a St. Helena-based voluntary organisation (e.g.clubs, societies and charities) whose legislation/ordinance allows it to borrow money from the Bank.
  • The Organisation is registered with the Commissioner of Income Tax.
  • The Organisation has a Business Current Account with Bank of St. Helena Ltd.


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(+290) 22390