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Business Loans and Finance

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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 - £50,000, subject to approval

Repayment terms

1 – 7 years

Representative APR

12.35% 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.

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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 NatWest 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

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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

15.03%

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

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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 NatWest. 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

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Green Loans

Our Green Loan may be able to help fund your business's ambitions.

Support for a range of sustainability ambitions for clean buildings and energy, clean transport and agriculture, subject to approval
No arrangement fees for eligible UK businesses, conditions apply and subject to approval
A range of borrowing options from £25,001, with fixed and variable interest rate loans available
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.

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

3 months to 25 years

Interest rate options

Fixed or Variable

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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

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

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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

Borrowing amount

£50,000 upwards, subject to approval

Repayment terms

up to 20 years

Interest rate options

Fixed or Variable

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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

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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

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Recovery Loan Scheme

For UK small businesses as they look to invest and grow.

For viable and eligible businesses with a turnover up to £45m (on a group basis where part of a group) where a business loan cannot be offered
Specific eligibility criteria apply. The borrower remains liable for 100% of the debt
No Early Redemption Charge if you want to repay the loan early, in full or in part

Borrowing amount

£25,050 - £2m facility per business, subject to subsidy considerations and credit approval

Repayment terms

Up to 6 years

Interest rate options

Fixed or Variable

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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 NatWest 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

NatWest Social & Community Capital, Registered in England No: 03901460, Registered office: 250 Bishopsgate, London EC2M 4AA. Charity Registration No: 1079626.

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Message us anytime on WhatsApp

For help with your Business Banking queries, you can now chat with us securely on WhatsApp.

Message us on WhatsApp

Useful info about business lending

How can I improve my business credit score?

What we look for when lending you money

How does NatWest make a lending decision?

How can I appeal a lending decision?

Can I borrow money if I have a Community account?

Are repayment holidays available during a Family First event?

Standards of Lending Practice

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):

Funding Xchange

Funding Options

Alternative Business Funding

Swoop Funding

Standards of Lending Practice

We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.

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, information and products could potentially 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.

Discover our high growth support

Business Loans and Finance

Small Business Loan

Fixed and Variable Rate Loans

Business Overdraft

Business credit cards

Green Loans

Commercial Mortgage

Real Estate Finance

Asset finance

Invoice Finance

Recovery Loan Scheme

Social and Community Capital

Message us anytime on WhatsApp

Useful info about business lending

How can I improve my business credit score?

What we look for when lending you money

How does NatWest make a lending decision?

How can I appeal a lending decision?

Can I borrow money if I have a Community account?

Are repayment holidays available during a Family First event?

Standards of Lending Practice

SME Finance Charter

See how we compare in the market

Standards of Lending Practice

Help for high growth businesses

Something else we can help you with?