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All lending products are for business use only and available to customers aged 18+. Applications are subject to status and eligibility. Fees, security, guarantees or indemnities may apply depending on the product
Your trusted source for business loans
Small Business Loan
Fast and Flexible Borrowing for Small to Medium Businesses:
Easy Online Application
Pay it off early with no extra fees
Fixed Interest Rate
Borrow
£1,000 – £100,000 (subject to approval)
Repayment terms
1 to 7 years
Representative APR:
12.63% APR*
*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
Our loans are built for your projects:
Pay it off early with no extra fees (terms apply).
Apply for an interest-only payment break (approvals and terms apply).
Payments on variable loans may go up or down with the NatWest Bank Base Rate.
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
Simple, everyday finance solutions
Credit cards: UK residents aged 18+ with an eligible NatWest business bank account and UK registered business address only. Invoice finance services are provided by RBS Invoice Finance Limited.
Business Overdraft
A helpful way to manage short-term cash flow for your business:
Interest applies just to the amount you use.
Repay what works for you each month.
Repayment terms are up to 12 months, followed by a review.
Borrowing amount
£500 – £50,000, unsecured, subject to approval
Arrangement fee
£50 – £750 dependent on amount requested
Representative EAR
13.37%
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
Our cards help make everyday expenses effortless and efficient:
Designed to support your business, our cards help you smooth out cash flow and stay on top of expenses - so you can focus on growth, not gaps.
Tap to pay securely with our range of business cards.
Enjoy up to 56 interest-free days on your spending.
Borrowing amount
Minimum credit limit of £500, maximum credit limit subject to status
Repayment terms
Monthly payment required, terms apply
Invoice Finance
Unlock cash tied up in outstanding invoices or existing assets.
Flexible funding through Invoice Discounting or Asset-Based Lending.
Access more funding as your business grows.
Eligibility starts at £300k turnover for Invoice Discounting and £6.5m for Asset-Based Lending.
Get Funds
Access up to 90% of the value of your outstanding invoices, subject to status
Flexible financing as the facility can grow with your business
Transparent Pricing consists of a Service Charge and Discount Margin
Your partner in Property and Asset Finance solutions
Asset finance is provided by Lombard, except contract hire which is provided by Lombard Vehicle Solutions.
Commercial Mortgage
A mortgage with choices built for you:
No penalties for repaying early (conditions apply).
Ask about a Repayment Holiday - interest payments still needed.
Decide between different repayment plans like Capital & Interest or Straight Line.
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
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
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
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
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):
Social and Community Capital
Business loans for trading charities and social enterprises that can't access appropriate mainstream loans.
Borrowing amount
£30,000 – £500,000, 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.