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At RBS, we understand that for an economy to thrive it needs to be built on investment in technology and innovation. That's why, as part of our existing commitment to support UK businesses, we are specifically supporting the manufacturing sector by making £1 billion of new lending available. Companies will be helped to invest in growth through fixed rate loans.

Manufacturing Fund - Fixed Rate Loan details

Our flexible loans are specifically designed to aid growth and are available for a range of purposes. Whether your loan is to fund capital expenditure, acquisitions or increase working capital, hopefully we can help.

• Loan Amount: £250,000 to £25 million
• Flexible Terms: Two years interest-only and thereafter loans are to be repaid in accordance with a schedule agreed at the outset. Any amount outstanding at the end of the term will need to be refinanced
• Arrangement fee: 1% of the loan amount

Fund availability

• The Manufacturing Fund will be made available on a staggered basis up to the total fund amount of £1 billion
• Each release of funds will be available for a fixed period on a first come first served basis
• If the full amount for a particular release is allocated earlier than its stated expiry date, no further funds will be made available as part of that release and customers will need to apply for funds in a subsequent release
• The seventh release is available for drawing between 1 November 2011 and 29 February 2012. However, customers must apply for this release no later than 31 January 2012

Loan options:

	Option 1	Option 2
Loan term	3 years	5 years
Arrangement fee	1%	1%
Capital repayment holiday	Two years	Two years
Fixed interest rate	3.5%	4.3%

The overall cost for comparison is 4.0% APR for 3 years, 4.8% APR for 5 years.

• Amounts available for drawing, interest rates and drawing periods for subsequent releases will be announced in due course
• £1 billion represents the total fund being made available across the RBS Group, across all releases

Terms & Conditions

• Available to eligible UK manufacturing companies of any size
• Lending is subject to demand, status and borrowers satisfying our credit criteria
• Loans must be drawn no later than 10 business days after the date the Agreement is signed by the Customer, and no later than the expiry date of the relevant release
• You will be required to pay interest quarterly throughout the term of the loan
• Early repayment charges may apply during the fixed term period
• Upon maturity of the borrowing, any amount outstanding will need to be refinanced

Security may be required. Product fees will apply.

Contact us

• If you are an existing Corporate banking customer, please contact your Relationship Director
• If you are a new customer with an annual turnover above £25million, please contact one of our regional specialists
• If your company has an annual turnover of less than £25 million see Manufacturing Fund