Small Business Loan
Fast, flexible funding for your business
A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.
Kick-start your business with a Small Business Loan
Whether you’re looking for a funding boost or need a helping hand to recover after the pandemic, a Small Business Loan could be the ideal solution. Applying online is quick and simple.
Borrow from £1,000 to as much as £50,000, subject to approval
No arrangement or early repayment fees
Choose to pay us back over a term of 1 to 7 years, subject to credit status
Up to 10 year terms may be available on request
Fixed rate of interest
All business customers are eligible and applying online is quick and simple
The small business loan in detail...
Useful information about our Small Business Loan.
If your business has been affected by Covid-19, you may be eligible to apply for the Recovery Loan Scheme (RLS). The new Scheme aims to support businesses affected by Covid-19 as they recover and grow following the pandemic. Find out more.
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.
Business loan calculator
Our Small Business Loan interest rate calculator can show you the rates you might pay and check your eligibility for lending up to £25,000. You can now also check the rates you're likely to pay for lending up to £50,000.
There's no obligation and you won't be credit checked.
100.00% of SME customers received an end quote that was the same, better or no more than 10% above their indicative quote.
Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.
Representative APR (Annual Percentage Rate) is used for comparison purposes and shows the annual interest rate we expect at least 51% of customers who are accepted for and enter into a loan agreement with us to get. APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee.
Useful tools to help you with your application.
Please take some time to read some important info.
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The Royal Bank of Scotland plc, Registered in Scotland No SC083026. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.