Business Loans and Finance

Discover the right business funding for you

Everyday business finance

We provide enterprise owners with flexible, everyday business finance options. Whether you're after instant access to cash with a business credit card for day-to-day expenses, or a small business loan to fund a new project with, we can help you achieve your goals. Below you can compare our business loans available to our customers.

Security and / or Director’s guarantee may be required. Product fees may apply. To apply you must be a UK resident aged 18 or over. Business credit cards are for eligible UK businesses only and you must maintain a business bank account in the same legal entity name with Royal Bank of Scotland. Subject to status, business use only.

A fast, affordable way to borrow

Fixed rate of interest

Could help you achieve your business goals

Suitable for most small to medium businesses

Borrow over 1 to 7 years

Up to 10 year terms may be available on request

Borrow from £1,000 up to £50,000 (subject to credit approval)

For viable UK businesses as they recover and grow

For UK based businesses of any size who have been impacted by the Covid-19 pandemic

Borrow from £25,050 up to £2m facility per business, subject to credit approval

Fixed or variable interest rate

Loan terms available for up to 6 years

Specific eligibility criteria apply. The borrower always remains 100% liable for the debt

Arranged Business Overdraft

A flexible, short-term safety net

No set minimum to pay back each month

Pay interest only on the amount you use

Borrow up to £50,000 unsecured (subject to credit approval). You can also apply for more, however this may result in security being required

Ideal for unexpected bills or emergencies

Business cards

An ideal way to pay for day-to-day expenses

Choice of cards to fit your businesses needs

Can be used to pay for goods and services 

Quick and easy to apply for online

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

Annual fee may apply 

Large business loan

Whether you’ve found the perfect premises, or you’re looking to borrow towards a long-term project, we have several business finance options for large amounts. You can choose from our fixed or variable business loan products, our commercial mortgage product which comes with a choice of fixed or variable repayments, or one of our Real Estate Finance products for your next real estate project. Explore our products below.

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.

Fixed Rate Loan

Offers the certainty of fixed repayments

No product fees or early repayment charges

Terms are 3, 5, 7, 10 or 15 years

Borrow between £25,001 to £10m (subject to approval)

Option to take repayment holidays, including during a Family First event (conditions apply and you must keep paying the interest)

Variable Rate Loan

A loan that takes advantage of the Royal Bank base rate

No early repayment charges

Borrow from £25,001 with no maximum upper limit, subject to credit approval

Terms are between 3 months to 25 years

Various repayment options and repayment holiday available, including during a Family First event (conditions apply and you must keep paying the interest)

Changes in the Royal Bank base rate will affect the amount you need to pay to fully repay your loan

Commercial Mortgage

Buy commercial property with the flexibility of repayments

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

Fixed and variable interest rates available

Mortgage terms available up to 25 years

No early redemption charges

Real Estate Finance

Funding for your next real estate project that is built to last

Borrow from £50,000 upwards, subject to approval

Building and developing residential property to sell

Investment in residential property to be let to third party tenants

Investment in commercial premises to be leased out for business purposes

Alternative business funding

We have a range of alternative business funding options that can help you achieve your goals. If you want to borrow money against the value of an invoice, we have four types of Invoice Finance. If you need to buy equipment and don't want the hassle of ownership, Asset Finance might suite you better.

Invoice finance

Access funds to improve your company’s working capital

Invoice finance is a way to borrow against the value of an unpaid invoice. You could get up to 90% of the value of an invoice. This is ideal if you get a sudden large contract through or have a just-in-time inventory strategy.

We offer different types of Invoice Finance

  • Release cash quickly and confidentially with Invoice Discounting
  • Release cash from your existing assets with Asset Based Lending (minimum eligibility criteria apply)

Asset finance

A more flexible way to purchase vehicles or equipment

Asset finance allows you to fund large purchases for your business. It can be used to purchase anything from machinery and vehicles to tech and agricultural equipment.

We offer a range of options finance though our partner, Lombard.

  • You can take ownership of the asset with Hire purchase
  • You rent an asset rather than buying it outright with a Finance lease
  • Finance cars and vans for your business with Contract hire
  • Purchase high-value specialist equipment with an Operating lease

Social & Community Capital

Help for social enterprises and community businesses

Community business loans for charities and social enterprises that don't qualify for mainstream loans.

  • Apply for loan funding from £30,000 to £750,000
  • Loans are tailored to your business’ requirements by sector experts who will structure the loan to suit your operation
  • You could get flexible terms - including capital repayment holidays if you need them (conditions apply and you must keep paying the interest)

Useful info about business lending

See how we compare in the market

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.

Additional support for your business

What we look for when lending you money

We’ll first need to check your credit ratings and that you meet our lending criteria. If everything is in order, you’ll get the green light.

Thinking about Business premises?

There are several factors to consider before you decide on your business premises. We could help with the decisions and suggest ways you could finance it.

SME Finance Charter

We have set out our commitments around how we will support UK SMEs, following the publication of the UK Government’s SME Finance Charter.

Something else we can help you with?