Fast and flexible borrowing, could be suitable for small to medium businesses.
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Discover the right business funding for you
Business Loans and Finance
Small Business Loan
- Fast, simple online application
- No arrangement or early repayment charges
- Fixed rate of interest
A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.
Borrowing amount
£1,000 - £100,000, subject to approval
Repayment terms
1 – 7 years
Representative APR
12.24% APR Variable
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This rate is available for loans between £10,000 and £19,999. Other amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.
Fixed and Variable Rate Loans
Flexible loans for bigger projects.
- No early repayment charges, conditions apply
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- Changes in the Royal Bank Base rate will affect the amount you need to pay to fully repay your Variable Rate Loan
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
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
Repayment terms
Up to 25 years
Fixed rate terms are 3,5,7,10 or 15 years
Interest rate options
Fixed or Variable
Business Overdraft
A flexible short-term safety net for your business.
- Pay interest only on the amount you use
- No set minimum to pay back each month
- Repayment terms up to 12 months. After 12 months we'll contact you to review
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.
Borrowing amount
£500 - £50,000, unsecured, subject to approval
Arrangement fee
£50 - £750 dependent on amount requested
Representative EAR
14.20%
ⓘ
This rate is available for Overdrafts between £500 and £5,000. Other amounts are available at alternative rates. Our rates depend on your circumstances and overdraft amount and may differ from the Representative EAR
Business credit cards
Convenient borrowing for everyday expenses.
- Our cards could be ideal for making secure contactless transactions, giving you flexible banking at your fingertips
- Our Business credit card and Business Plus credit card have a 5* Moneyfacts rating for 2024
- Up to 56 days interest-free credit period on purchases
To apply you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with Royal Bank of Scotland. Your registered business address must also be in the UK and you should be registered for tax purposes in the UK. Annual fees may apply. Subject to status, for business use only.
Borrowing amount
Minimum credit limit of £500, maximum credit limit subject to status
Repayment terms
Monthly payment required, terms apply
Green Loans
Our Green Loan may be able to help fund your business's ambitions.
- Help eligible UK businesses finance business assets for buildings and energy, transport and agriculture solutions, subject to approval
- A range of borrowing options from £50,001, with fixed and variable interest rate loans available
- No arrangement fees for eligible UK businesses, conditions apply and subject to approval.
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday.
Eligibility criteria apply and security may be required. Fees (other than arrangement fees) may apply. Over 18s Only. Subject to status, eligibility, turnover and approval. Business use only. Terms Apply. Categorisation as a Royal Bank Green Loan does not imply that the loan and/or its terms and conditions align with any “green” or similar taxonomy, standards, guidance or principles.
Borrowing amount
Borrow from £50,001
with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval
Repayment terms
3 months to 25 years
Interest rate options
Fixed or Variable
Commercial Mortgage
Buy commercial property with the flexibility of repayments.
- No early repayment charges, conditions apply
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- Capital & Interest or Straight Line repayment profiles available
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
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
Repayment terms
1 to 25 years
Interest rate options
Fixed or Variable
Real Estate Finance
Funding for property development or investment.
- Building or developing residential property to sell
- Investment in residential property to let to third party tenants
- Investment in commercial premises leased out for business purposes
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
£50,000 upwards, subject to approval
Repayment terms
up to 20 years
Interest rate options
Fixed or Variable
Asset finance
We offer a range of options to finance with Lombard, our asset finance provider.
- Finance cars or vans with Hire Purchase or Contract Hire
- You could rent an asset with a Finance Lease or buy it outright with Hire Purchase
- Finance high-value specialist equipment with an Operating lease
Security, guarantees or indemnities may be required. Product fees may apply. Finance subject to status and is only available for business purposes. Asset finance (except contract hire) is provided by Lombard and contract hire is provided by Lombard Vehicle Solutions.
Tailored repayments
A range of terms available
Repayment terms
Monthly payments and the option of a larger final payment
Interest rate options
Fixed or Variable
Invoice Finance
Access funds against the value of your invoices.
- Choose from two types of invoice financing
- Your invoice finance facility could grow in line with your sales
- Turnover requirement £6.5m for Asset Based Lending or £300k for invoice discounting.
Invoice financing services are provided by RBS Invoice Finance Limited. Security may be required. Product fees may apply. Subject to status, business use only. Specific eligibility criteria apply. 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.
Get Funds
Up to 90% of the value of unpaid invoices, subject to status
Facility contract
12 months
Discount margin
Fixed
Social and Community Capital
Business loans for charities and social enterprises that don't qualify for mainstream loans.
- Loans tailored to your business requirements by sector experts
- Flexible terms and capital repayment holidays if needed (conditions apply and you must keep paying the interest)
- Social & Community Capital is a charity funded and supported by Royal Bank in order to help social enterprises and community businesses
Security may be required. Product fees may apply. Over 18s only. Subject to status, business only. 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.
Borrowing amount
£30,000 - £750,000, subject to approval
Flexible repayment terms available
No fixed term agreement
Interest rate options
Fixed
ⓘ
Royal Bank of Scotland Social & Community Capital is a trading name of NatWest Social & Community Capital Registered in England No: 03901460, Registered office: 250 Bishopsgate, London EC2M 4AA. Charity Registration No: 1079626.
Small Business Loan
Fast and flexible borrowing, could be suitable for small to medium businesses.
- Fast, simple online application
- No arrangement or early repayment charges
- Fixed rate of interest
A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.
Borrowing amount
£1,000 - £100,000, subject to approval
Repayment terms
1 – 7 years
Representative APR
12.24% APR Variable
ⓘ
This rate is available for loans between £10,000 and £19,999. Other amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.
Fixed and Variable Rate Loans
Flexible loans for bigger projects.
- No early repayment charges, conditions apply
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- Changes in the Royal Bank Base rate will affect the amount you need to pay to fully repay your Variable Rate Loan
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
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
Repayment terms
Up to 25 years
Fixed rate terms are 3,5,7,10 or 15 years
Interest rate options
Fixed or Variable
Green Loans
Our Green Loan may be able to help fund your business's ambitions.
- Help eligible UK businesses finance business assets for buildings and energy, transport and agriculture solutions, subject to approval
- A range of borrowing options from £50,001, with fixed and variable interest rate loans available
- No arrangement fees for eligible UK businesses, conditions apply and subject to approval.
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday.
Eligibility criteria apply and security may be required. Fees (other than arrangement fees) may apply. Over 18s Only. Subject to status, eligibility, turnover and approval. Business use only. Terms Apply. Categorisation as a Royal Bank Green Loan does not imply that the loan and/or its terms and conditions align with any “green” or similar taxonomy, standards, guidance or principles.
Borrowing amount
Borrow from £50,001
with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval
Repayment terms
3 months to 25 years
Interest rate options
Fixed or Variable
Business Overdraft
A flexible short-term safety net for your business.
- Pay interest only on the amount you use
- No set minimum to pay back each month
- Repayment terms up to 12 months. After 12 months we'll contact you to review
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.
Borrowing amount
£500 - £50,000, unsecured, subject to approval
Arrangement fee
£50 - £750 dependent on amount requested
Representative EAR
14.20%
ⓘ
This rate is available for Overdrafts between £500 and £5,000. Other amounts are available at alternative rates. Our rates depend on your circumstances and overdraft amount and may differ from the Representative EAR
Business credit cards
Convenient borrowing for everyday expenses.
- Our cards could be ideal for making secure contactless transactions, giving you flexible banking at your fingertips
- Our Business credit card and Business Plus credit card have a 5* Moneyfacts rating for 2023
- Up to 56 days interest-free credit period on purchases
To apply you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with Royal Bank of Scotland. Your registered business address must also be in the UK and you should be registered for tax purposes in the UK. Annual fees may apply. Subject to status, for business use only.
Borrowing amount
Minimum credit limit of £500, maximum credit limit subject to status
Repayment terms
Monthly payment required, terms apply
Invoice Finance
Access funds against the value of your invoices.
- Choose from two types of invoice financing
- Your invoice finance facility could grow in line with your sales
- Turnover requirement £6.5m for Asset Based Lending or £300k for invoice discounting.
Invoice financing services are provided by RBS Invoice Finance Limited. Security may be required. Product fees may apply. Subject to status, business use only. Specific eligibility criteria apply. 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.
Get Funds
Up to 90% of the value of unpaid invoices, subject to status
Facility contract
12 months
Discount margin
Fixed
Commercial Mortgage
Buy commercial property with the flexibility of repayments.
- No early repayment charges, conditions apply
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- Capital & Interest or Straight Line repayment profiles available
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
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
Repayment terms
1 to 25 years
Interest rate options
Fixed or Variable
Real Estate Finance
Funding for property development or investment.
- Building or developing residential property to sell
- Investment in residential property to let to third party tenants
- Investment in commercial premises leased out for business purposes
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
£50,000 upwards, subject to approval
Repayment terms
up to 20 years
Interest rate options
Fixed or Variable
Asset finance
We offer a range of options to finance with Lombard, our asset finance provider.
- Finance cars or vans with Hire Purchase or Contract Hire
- You could rent an asset with a Finance Lease or buy it outright with Hire Purchase
- Finance high-value specialist equipment with an Operating lease
Security, guarantees or indemnities may be required. Product fees may apply. Finance subject to status and is only available for business purposes. Asset finance (except contract hire) is provided by Lombard and contract hire is provided by Lombard Vehicle Solutions.
Tailored repayments
A range of terms available
Repayment terms
Monthly payments and the option of a larger final payment
Interest rate options
Fixed or Variable
Social and Community Capital
Business loans for trading charities and social enterprises that can't access appropriate mainstream loans.
- Loans tailored to your business requirements by sector experts
- Flexible terms and capital repayment holidays if needed (conditions apply and you must keep paying the interest)
- Social & Community Capital is a charity funded and supported by Royal Bank in order to help social enterprises and community businesses
Security may be required. Product fees may apply. Over 18s only. Subject to status, business only. 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.
Borrowing amount
£30,000 - £500,000, subject to approval
Flexible repayment terms available
No fixed term agreement
Interest rate options
Fixed
ⓘ
Royal Bank of Scotland Social & Community Capital is a trading name of NatWest Social & Community Capital Registered in England No: 03901460, Registered office: 250 Bishopsgate, London EC2M 4AA. Charity Registration No: 1079626.
Message us anytime on WhatsApp
For help with your Business Banking queries, you can now chat with us securely on WhatsApp.
Useful info about business lending
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.
All assessments of eligibility for lending are done on the basis of the credit history of the individual, business owners or directors. Credit Scoring is part of the process used by banks and other lenders to help assess whether they will lend to you.
We have a guide on how you can appeal a lending decision here
You can, but we'll need to talk to you about it. Please call your Relationship Manager.
Yes, you could take a repayment holiday on certain lending products during a Family First event. Take a look at our Family First loans and overdraft for the options that could be available.
We have set out our commitments around how we will support UK SMEs, following the publication of the UK Government’s SME Finance Charter.
See how we compare in the market
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):
Standards of Lending Practice
From 01 April 2025, we will no longer be a participant of the Lending Standards Board (LSB’s) Standards of Lending Practice for Business Customers. Membership of the LSB Standards of Lending Practice is voluntary for the banking and lending industry. Our decision to withdraw does not affect how we treat our customers nor the services and products that we provide.
Help for high growth businesses
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.