Discover the right business funding for you
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.
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 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
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
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
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.
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)
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
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
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
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.
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. Specific eligibility criteria applies. 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.
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
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.
Community business loans for charities and social enterprises that don't qualify for mainstream loans.
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):
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.
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.
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.
We have set out our commitments around how we will support UK SMEs, following the publication of the UK Government’s SME Finance Charter.
