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A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.
Flexible borrowing
Borrow from £1,000 to £100,000 on a fixed interest rate, subject to approval. Quickly check possible loan and repayment amounts with our calculator.
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Get a free quote in 3 mins
Check what you could borrow and your rate before you apply by logging in with your Online Banking details - without affecting your credit score.
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No early repayment fees
With our Small Business Loan you won't pay set-up fees and early repayment or early closure fees.
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Apply in just 10 minutes, using your Online Banking details for a personalised experience. If approved, you could have the money within 24 hours.
What is a Small Business Loan?
A Small Business Loan could allow fast and flexible borrowing and could be suitable for small to medium businesses.
- You could borrow between £1,000 - £100,000, subject to approval
- With a fixed interest rate, your repayments stay the same throughout the loan
- Loan terms from 1 to 7 years
Representative example
Monthly repayments
£7,500
Interest rate % (fixed)
8.2%
Representative APR
£137.55
Total repayment
£8,253.00
91.74% of SME customers received an end quote that was the same, better or no more than 10% above their indicative quote.
1. Calculate rates
Quickly check possible loan and repayment amounts with our calculator
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2. Apply online
Apply online, confirming your business income, assets, and address history
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3. Get funds
If approved, you could have the money in your account within 24 hours
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Important points to note before you apply
We calculate your rate based on the loan term, loan amount and your credit status
You'll need to make a repayment each month
You'll be paying off the capital and interest each month
You won't be able to take a repayment holiday
You can't take the loan in instalments (sometimes called a tranche)
Read our Small Business Loan fact sheet (PDF, 111KB) for more information
Have a Royal Bank Business Account?
Log in with your Digital Banking details and get a quote in 3 mins, without affecting your credit score. If you apply and get approved, you may have the cash in 24 hours.
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You could get your loan funds on the same day if you apply online, are unconditionally accepted, and sign your loan documents by 16:30 Mon – Fri. Sometimes we need to contact you for more information, so it may take a little longer.
Don't have Digital Banking? Register today
New to RBS?
If you don't have a Royal Bank Business Account, you can still apply online.
Complete our online application form, and we'll be in touch to discuss the next steps.
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For quick info on lending, you can also chat with Cora, our digital assistant. To speak to Cora, click the ‘chat to Cora’ button the bottom right of your screen.
Your top questions answered
Turn your long-term ambitions into action
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.
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Invest in commercial premises
As a property owner, you may benefit from increases in property value. This could be a great way to grow your business.
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Other ways to borrow money
We have a range of borrowing options that could suit your situation, including a Commercial Mortgage and Business Overdrafts.
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