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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*.

*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.

You could also consider a Green loan**, if your goal is to support the sustainability of your business. Green Loans can help finance investments like solar panels, electric vehicles, LED lighting and other items included in our eligible list for this type of loan.

**Security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility and approval. 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. Failure to comply with the terms of the loan agreement could lead to an event of default under the loan and (depending on their terms) may also impact other facilities of the borrower. Terms apply.

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.

*Product fees may apply. 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. Turnover must be up to £2m. Your registered business address must be in the UK and you should be registered for tax purposes in the UK. Subject to status, for business use only.

**Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.

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Property and asset finance

We can 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.

*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.

**Security, guarantees or indemnities may be required. Product fees may apply. Finance subject to status and is only available for business purposes except where specifically indicated to the contrary. 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.

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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?

National Westminster Bank Plc. Registered in England and Wales (Registered Number 929027), Registered Office: 250 Bishopsgate, London EC2M 4AA.