Small Business Loan

Why get our Small Business Loan?

Balance scales for fixed interest

Flexible borrowing

Borrow from £1,000 to £50,000 on a fixed interest rate, subject to approval. Quickly check possible loan and repayment amounts with our calculator.

Information Message

Variable interest rate

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.

Information Message


No early repayment fees

With our Small Business Loan you won't pay set-up fees and early repayment or early closure fees.

Information Message

Success Message
Calendar with money

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 - £50,000, subject to approval 
  • With a fixed interest rate, your repayments stay the same throughout the loan
  • Loan terms from 1 to 7 years

Fast, flexible funding for your business

Apply in just 10 minutes, using your Digital Banking details for a personalised experience. If approved, you could have the money within 24 hours

Borrow from £1,000 to £50,000, subject to approval

No set-up fees and no early repayment or early closure fees

A fixed interest rate, so your repayments stay the same throughout the loan

Loan terms from 1 to 7 years

Information Message

A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.

Small Business Loan calculator

How much do you want to borrow?

Min value Max Value

Over how long do you want to repay the loan?

Min value Max Value

Min value Max Value

Representative example

Monthly repayments
Interest rate % (fixed)
Representative APR (variable)
Total repayment

100% of SME customers received an end quote that was the same, better or no more than 10% above their indicative quote. 



How it works

1. Calculate rates

Quickly check possible loan and repayment amounts with our calculator

Information Message

2. Apply online

Apply online, confirming your business income, assets, and address history

Information Message

3. Get funds

If approved, you could have the money in your account within 24 hours

Information Message

Information Message

Important points to note before you apply

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.

Information Message

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.

Forgotten your details?

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.

Information Message

Your top questions answered

Whatever your goals, let's get going

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​.

Information Message

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.

Information Message

Other ways to borrow money

We have a range of borrowing options that could suit your situation, including a Commercial Mortgage and Business Overdrafts.

Information Message

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.