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Business owners Lewis and Shona, enjoy great food and conversation with two staff, sat at a picnic table outside their successful eatery business, ‘Surf and Turf’

How could business lending help you?

Access extra cash to help your business grow

Common reasons to borrow

Many businesses find it helpful to take on financing – whether it’s to help get the business up and running, manage cash flow, or make investments in machinery or new technology. Borrowing money can feel like a big step, but we’re here to help.

With business financing, you could:

expand your business

invest in new equipment

better manage your finances. 

How could RBS help you

A tale of two businesses – hear how Surf & Turf took advantage of business funding to help fuel their growth, and how their achievements have inspired The Bakehouse Market.

 

Read the full article: Growing your business with the help of commercial funding

 

Watch Lewis and Shona explain how business funding helped them:

Types of borrowing to consider

Business loans

Business loans are a common way to access extra funds to help achieve your goals. You can receive a quote for one of our Small Business loans* in three minutes, after logging in with your Digital Banking details. You’ll be able to access the funds within 24 hours, if approved. 

If you have a bigger project and require a larger sum, you might want to consider one of our fixed or variable rate loans*.

Everyday business finance

Sometimes when managing cash flow, it’s handy to be able to access extra funds temporarily through a Business credit card*. A Business overdraft** is another option, and can provide a safety net for unexpected expenses. We have a useful overdraft calculator to help you decide if that’s right for you.

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Property and asset finance

We could help with a commercial mortgage* if you’re thinking of buying your existing premises or want to set up a new location. We also have real estate finance* for property projects and asset financing** from Lombard, for businesses looking to purchase vehicles, machinery or equipment.

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Alternative financing

For charities and social enterprises, Social and Community capital lending might be an option.

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Could a clearer view of your finances help your loan application?

Having key financial information like your revenue and cashflow at your fingertips could support your loan application. Our business bank accounts include free* access to FreeAgent accounting software, which makes staying on top of your incomings, outgoings and forecasting simple and less stressful.

*Free for as long as you retain your account. Optional add-ons may be chargeable. Business banking available to eligible customers over 18. 

Frequently asked questions

Next steps

For further details, you can head to Business loans and financeAnd if you’re ready to apply, you'll need some information to hand, including:

  • the desired borrowing amount
  • how the funds will be used
  • the business tax ID
  • recent accounting information
  • projections for the business.

Customers with hearing and speech impairments can contact us by using our Relay UK Service: 18001 0345 600 2230

For more information visit the accessibility page.

Calls may be recorded for training and monitoring purposes.

To see how much your call might cost, visit the call charge information page.

Something else we can help you with?

The Royal Bank of Scotland plc, Registered in Scotland No SC083026. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.