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Business Loans and Finance

Discover the right business funding for you

Select the option that best suits your borrowing needs

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Small Business Loan

Fast and flexible borrowing, could be suitable for small to medium businesses.
  • Fast, simple online application
  • No arrangement or early repayment charges
  • Fixed rate of interest

A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.

Borrowing amount

£1,000 - £50,000, subject to approval

Repayment terms

1 – 7 years (Up to 10 year terms may be available on request)

Representative APR

10.09% APR Variable
🛈 This rate is available for loans between £10,000 and £19,999. Other amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.

Green Loans

Funding for your sustainability ambitions.
  • Support for a range of sustainability ambitions for clean buildings and energy, clean transport and agriculture, subject to approval 
  • No arrangement fees for eligible UK businesses, conditions apply and subject to approval
  • A range of borrowing options from £50,001, with fixed and variable interest rate loans available

Eligibility criteria apply, and security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility and approval. 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. Terms apply.

Borrowing amount

Borrow from £50,001 with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval

Repayment terms

3 months to 25 years

Interest rate options

Fixed or Variable

Business Overdraft

A flexible short-term safety net for your business.
  • Pay interest only on the amount you use
  • No set minimum to pay back each month
  • Repayment terms up to 12 months. After 12 months  we'll contact you to review

Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.

Borrowing amount

£500 - £50,000, unsecured, subject to approval

Arrangement fee

£50 - £750 dependent on amount requested

Representative EAR

10.65%
🛈 This rate is available for Overdrafts between £500 and £5,000. Other amounts are available at alternative rates. Our rates depend on your circumstances and overdraft amount and may differ from the Representative EAR

Business credit cards

Convenient borrowing for everyday expenses.
  • Our cards could be ideal for making secure contactless transactions, giving you flexible banking at your fingertips
  • Our Business credit card and Business Plus credit card have a 5* Moneyfacts rating for 2021
  • Up to 56 days interest-free credit period on purchases

To apply you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with NatWest. Your registered business address must also be in the UK and you should be registered for tax purposes in the UK. Annual fees may apply. Subject to status, for business use only.

Borrowing amount

Minimum credit limit of £500, maximum credit limit subject to status

Repayment terms

Monthly payment required, terms apply

Fixed Rate Loan

Fixed repayments to assist your financial planning.
  • No early redemption charges, conditions apply
  • Repayment holiday available, subject to approval
  • Arrangement and security fees may apply

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.

Borrowing amount

£25,001 up to £10m, subject to approval

Repayment terms

Up to 25 years Terms are 3, 5, 7, 10 or 15 years

Interest rate options

Fixed

Variable Rate Loan

A loan that tracks the Royal Bank base rate.
  • No early repayment charges, conditions apply
  • Repayment holiday available, subject to approval
  • Changes in the Royal Bank base rate will affect the amount you need to pay to fully repay your loan

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.

Borrowing amount

£25,001 upwards, subject to approval

Repayment terms

3 months to 25 years

Interest rate options

Variable

Commercial Mortgage

Buy commercial property with the flexibility of repayments.
  • No early repayment charges, conditions apply
  • Repayment holiday available, subject to approval
  • Capital & Interest or Straight Line repayment profiles available

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.

Borrowing amount

Borrow from £25,001 with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval

Repayment terms

1 to 25 years

Interest rate options

Fixed or Variable

Real Estate Finance

Funding for property development or investment.
  • Building or developing residential property to sell
  • Investment in residential property to let to third party tenants
  • Investment in commercial premises leased out for business purposes

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.

Borrowing amount

£50,000 upwards, subject to approval

Repayment terms

up to 20 years

Interest rate options

Fixed or Variable

Asset finance

We offer a range of options to finance with Lombard, our asset finance provider.
  • Finance cars or vans with Hire Purchase or Contract Hire
  • You could rent an asset with a Finance Lease or buy it outright with Hire Purchase
  • Finance high-value specialist equipment with an Operating lease

Security, guarantees or indemnities may be required. Product fees may apply. Finance subject to status and is only available for business purposes. Asset finance (except contract hire) is provided by Lombard and contract hire is provided by Lombard Vehicle Solutions.

Tailored repayments

A range of terms available

Repayment terms

Monthly payments and the option of a larger final payment

Interest rate options

Fixed or Variable

Invoice Finance

Access funds against the value of your invoices.
  • Choose from two types of invoice financing
  • Your invoice finance facility could grow in line with your sales
  • Turnover requirement £6.5m for Asset Based Lending or £300k for invoice discounting.

Invoice financing services are provided by RBS Invoice Finance Limited. Security may be required. Product fees may apply. Subject to status, business use only. Specific eligibility criteria apply. 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.

Get Funds

Up to 90% of the value of unpaid invoices, subject to status

Facility contract

12 months

Discount margin

Fixed

Social and Community Capital

Business loans for charities and social enterprises that don't qualify for mainstream loans.
  • Loans tailored to your business requirements by sector experts
  • Flexible terms and capital repayment holidays if needed (conditions apply and you must keep paying the interest)
  • Social & Community Capital is a charity funded and supported by Royal Bank in order to help social enterprises and community businesses

Security may be required. Product fees may apply. Over 18s only. Subject to status, business 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.

Borrowing amount

£30,000 - £750,000, subject to approval

Flexible repayment terms available

No fixed term agreement

Interest rate options

Fixed
🛈 Royal Bank of Scotland Social & Community Capital is a trading name of NatWest Social & Community Capital Registered in England No: 03901460, Registered office: 250 Bishopsgate, London EC2M 4AA. Charity Registration No: 1079626.

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Help for high growth businesses

If you’re a high growth business (and you can complete our quick check to see if you are) then it’s worth spending some time seeing what our specialist support, advice and products could do for your business. For businesses just starting out but growing quickly; more established businesses with fast growth; or those looking to scale, there’s tailored help for wherever you want to go.

Something else we can help you with?