Overlay
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
Repayment terms
Representative APR
Fixed and Variable Rate Loans
Flexible loans for bigger projects.
- No early repayment charges, conditions apply
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- Changes in the Royal Bank Base rate will affect the amount you need to pay to fully repay your Variable Rate 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
Repayment terms
Interest rate options
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
Arrangement fee
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 2023
- 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 Royal Bank of Scotland. 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
Repayment terms
Green Loans
Our Green Loan may be able to help fund your business's 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 £25,001, with fixed and variable interest rate loans available
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
Eligibility criteria apply and security may be required. Fees (other than arrangement fees) may apply. Over 18s Only. Subject to status, eligibility, turnover and approval. Business use only. Terms Apply.
Borrowing amount
Repayment terms
Interest rate options
Commercial Mortgage
Buy commercial property with the flexibility of repayments.
- No early repayment charges, conditions apply
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- 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
Repayment terms
Interest rate options
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
Repayment terms
Interest rate options
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
Repayment terms
Interest rate options
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
Facility contract
Discount margin
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
Flexible repayment terms available
Interest rate options
Message us anytime on WhatsApp
For help with your Business Banking queries, you can now chat with us securely on WhatsApp.
Useful info about business lending
See how we compare in the market
We’ve made it easy for you to compare our business banking products against our competitors. Just visit the following websites (suggested by the UK Government's Competition and Markets Authority):
Standards of Lending Practice
We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.
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.