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Competitive business finance

APHC has secured a beneficial partnership with Bira Bank for you to take advantage of. Bira Bank is the UK’s only trade association bank, providing a trusted and competitive finance service to trade association members. This allows them to understand your needs as a professional business owner and treat you as an individual, offering a personal service with flexible solutions and straightforward service.

As an APHC member you now have access to low rates on vehicle loans in addition to our range of products can help to grow your business, manage cash flow, purchase new equipment or tools, or a savings plan to help your money flourish.

For a free no obligation quotation, use the calculator to your left or call 0121 446 6688 or email (Please quote your APHC membership number)

aphc bira bank

APHC Member Benefits

It’s not just the products that makes our products, our approach is equally as appealing. With us, you’ll have:

• Competitive fixed rates
• No documentation fees
• No early settlement fees
• Absolutely no hidden costs
• Personal service
• Quick and easy application
• Safe and secure banking – protected by the FSCS just like your high street bank



We know how important your business is to you. It’s why we’re offering a range of lending products specifically aimed at helping develop yours as well as making treating yourself that little bit more affordable. Whether you need a new van for call outs or a mobile POS system for on the go payments, bira bank has the lending product to suit you.

See our latest lending rates


As a trade association bank operating in the retail sector we understand how your business may like to operate. We appreciate you may be borrowing to spread the cost of buying something when you could afford to buy it outright but like to put the bulk of your money away for a rainy day. That’s why we offer all of our members a range of ISA products and deposit accounts too.

See our latest savings rates