Business lending

The Ultra Low Emission Zone

Helping your business meet the new emission standards

The Ultra Low Emission Zone (ULEZ) was introduced on 8 April 2019 to help improve air quality. It replaces the T-Charge and covers the same area as the Congestion Charge zone.

Drivers who enter the ULEZ will need to pay an additional daily charge if their vehicle doesn’t meet tighter emission standards. This could prove costly for many businesses.

Daily charge:

  • £12.50 for most vehicles (up to and including 3.5 tonnes)
  • £100 for heavier vehicles including lorries (over 3.5 tonnes) and buses/coaches (over 5 tonnes)

Your finance options

If you’re looking to finance a vehicle or fleet that meets the new emission standards, we can help. Choose from our range of loans or explore flexible finance options with our asset finance provider Lombard and Lombard Vehicle Solutions (LVS).

Hire Purchase with Lombard

Fixed payments with the option to buy

Choose a vehicle from the dealer of your choice

A personalised finance rate

Payments tailored to your needs and budget

Option to buy vehicle at the end

Contract Hire with LVS

Flexible finance for your business needs

Choose from a large range of vehicles

Enjoy corporate discounts and offers

Add extra benefits such as vehicle maintenance

Hand the vehicle back at the end

Small Business Loan

A fast affordable way to borrow

Suitable for most small to medium businesses

Fast, simple and flexible 

Apply online in less than 10 minutes 

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

Fixed Rate Loan

Offers the certainty of fixed repayments

A fixed rate could help you plan for tomorrow, because costs won’t change throughout the term

Borrow between £25,001 - £10m (subject to approval)

No early redemption charges

Variable Rate Loan

A flexible loan with variable rates

Various repayment options and terms available to help with the ebbs and flows of business 

Borrow from £25,001 upwards (subject to approval) 

No early repayment charges 

Changes in the NatWest Bank base rate will affect the amount you need to pay to fully repay your loan.

Depending on how you repay your loan any change in the NatWest Bank base rate may require a review of your regular instalment amount.

Additional support for your business

Thinking about Business premises?

There are several factors to consider before you decide on your business premises. We could help with the decisions and suggest ways you could finance it.

Your credit score

When you apply for a loan, we’ll look at your credit score. Our Business Credit Scoring Guide can help you manage your application. 

How to appeal a business lending decision

Hopefully we can approve the loan for you. However, we have strict lending criteria, so sometimes we have to decline.

Something else we can help you with?