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Finance options for scaling
From instant access to cash with a business credit card for day-to-day expenses, or a business loan to fund an exciting new project, we could help you achieve your ambitious growth goals.
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.
Coutts Investment Club
High growth businesses can apply to receive direct investment from the Coutts Investment Club, which was set up to connect capital. If you're successful then you could receive direct independent investment.
Lombard Asset Finance
The UK's largest asset finance provider*, supporting businesses for over 160 years.
Whether you’re investing in vehicles, equipment or cutting-edge technology, Lombard's business finance solutions give you the tools that could help you grow and thrive.
*Asset Finance UK Top 50, 2025.
Security may be required. Product fees may apply. Subject to status, business use only.
UK Enterprise Fund
Coutts have teamed up with British Growth Fund (BGF), the UK's most active equity investor to launch the UK Enterprise Fund and help power the growth of small and medium sized enterprises (SMEs).
Invoice discounting
Waiting for invoices to be paid can create cashflow problems for your business. Invoice discounting is a way to quickly release cash tied up in outstanding invoices, and get money to you fast, so you can keep growing.
Security may be required. Product fees may apply. Subject to status, business use only. Specific eligibility criteria apply.
Structured finance
We can introduce, structure and execute innovative financing and risk management strategies for your business, drawing on our insights into regional, national and international markets and current funding solutions.
Finance is subject to status. Security may be required. Product fees may apply.
Venture & Growth Finance
Enabling entrepreneurs to take their business further, NatWest Venture & Growth Finance could provide financing of up to £15m for up to 4 years. It could help you fund your expansion plans or extend the cash runway without giving up new equity.
IP backed lending
We understand high-growth businesses need funding to scale and grow in line with their ambitions but may lack valuable traditional fixed assets to pledge as security. That's why, if you're a high growth business, and we can't fully meet your borrowing needs against conventional security types, we may now be able to lend based on the value of your IP.
If you are a limited company in England, Wales or Scotland, NatWest or Royal Bank of Scotland could let you borrow from £250,000 against the value of your Intellectual Property (IP) as collateral.
Security may be required. Product fees may apply. Finance is only available for business purposes.
Any rights to buy back the title of the asset used as security may be forfeited if you do not keep up repayments on any debt secured on it.
Tap into our expertise
Our teams of experts cover various sectors across the UK, so you can chat to us about specific products and planning for your business sector, and tap in to our local knowledge too.
Could you trade internationally?
Overseas markets could offer huge opportunities. Our tips and advice could help you to get started trading abroad, and we’ve also got useful insights if you’re thinking about exporting.
We could help with trade loans, bonds, letters of credit and lots more to get you going.
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it.
Partner Banking
If you need a bank account in a country that we don''t serve directly, we can help by introducing you to one of our Partner Banks. It makes it easier to:
- Support a subsidiary's banking needs
- Pay local suppliers
- Pay staff and local expenses
- Process receivables from in country clients
Economic Outlook
Keep up-to-date on the economy with our Economic Outlook series.
Relationship manager
A skilled and experienced Relationship Manager (RM) will look at the way your business currently runs and spot things that could change for the better. With specialist expertise in your sector, they'll help to understand how you can scale and provide the support and resources to get you there. Speak to your RM if you need their guidance or call the Businessline team.
Make payments with Payit™
Payit™ provides you with a new way to send and receive online payments through open banking. It helps to reduce the cost of fraud, improve your cash flow and removes the need for you to store customers' financial information.
Eligibility criteria, T&Cs and fees apply.
Better banking for businesses with Bankline
Bankline is an enhanced digital platform, tailored to your business. You can view all your accounts on one profile, create multiple users with customised roles, make payments of all sizes securely and link Bankline with your existing accounting software.
Eligibility criteria and fees apply.
Take payments easily with Tyl
More customers than ever are looking for digital ways to pay for goods and services. Our simple solution, Tyl takes payments in-store, online or over the phone.
Eligibility criteria, fees and T&Cs apply
Discover support from Mentor Digital
Full digital access to consultants, tools, resources, calculators and e-learning modules from HR to health and safety and employment law.
Some Mentor service incur a cost.
Premier Banking
Premier Banking is an elevated service that gives high-growth businesses access to a dedicated team of Premier Banking managers who can support them with their financial goals and objectives and assist with the moments that matter.
Premier eligibility & specific account eligibility criteria apply.
Scaling inspiration from our Business Hub
With a range of articles covering all sorts of business news and views, a couple of minutes reading could help you discover something new when it comes to scaling your business. You'll find guidance, market trends, sector news and lots more.
Join our Entrepreneur Accelerator
Our Accelerator programme supports entrepreneurs to scale their business to the next level with support from our brilliant team who will back you all the way.
Workplace pensions
Cushon is a workplace pension provider that offers a straightforward and easy-to-manage solution for employers. Royal Bank has a referral relationship with Cushon, so if you’re considering a workplace pension, we can refer you to Cushon to explore their options.
Beauhurst
Beauhurst is the ultimate UK private company data source. Thousands of professionals use Beauhurst data to discover, track, and understand the UK's high-growth companies.
SUI
The ScaleUp Institute is a private sector, not-for-profit company focused on making the UK the best place in the world to scale up a business.