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The HTA's preferred finance partner

HTA Savings & Loans is our financial services business that has been designed with garden-based businesses firmly front of mind.

We’re different from your average high street bank or building society, providing a personal, friendly and helpful service.  You’ll always speak to a human and we are focused on always going well above and beyond to make everything as easy as possible for you.

We offer a range of products that have been designed with you in mind.  So, whether you need a loan to help grow your business, manage cash flow or to purchase new equipment, or a savings plan to help your money flourish, we have spent time and energy finding the right ones.  Time is precious when you run a business, so we have taken all that hassle away from you, offering products that entirely meet your needs.

Yet it’s not just the products that makes HTA Savings and Loans so great, 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

If you’d like to find out a little more or even apply for a product, simply call 0121 227 6699. We hope you agree that this a great addition to the benefits that being part of the HTA offers you.
HTA - Horticultural Trade Association. Best rates with bira bank and the British Independent Retailers Association

HTA Savings & Loans is bought to you from Bira Bank to offer one to one service for your business and personal financial requirements.


As an HTA 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.

See our latest lending rates

HTA Savings and Loans' vehicle affinity partners

HTA Savings and Loans has partnerships with a number of big vehicle brands to give HTA members exclusive access to savings across a wide range of new cars, vans and SUV’s when purchased using an HTA Savings and Loans vehicle loan. Click the images below to discover how much you could save.


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

Members Stories

I was looking to purchase a company vehicle and take out a loan over 3 years. I contacted HTA Savings & Loans from Bira Bank LTD. I did some homework beforehand and found the rates given to be very competitive.

I had confidence knowing the Bira Bank was listed by the HTA and went ahead with the loan.

I had a quick response, the credit checks were carried out easily without too much form filling! The loan was agreed the next day. I would not hesitate to use HTA Savings and Loans again, and one of my members of staff has also taken out a car loan with HTA Savings and Loans with the same positive experience.

Simon Thomas at Lyonshall Nurseries