On this page
Which lending option would support your business best?
Security or guarantees may be required. Product fee may apply. Subject to status. Business use only. The loan details below are subject to approval and credit status.
Small Business Loan
A quick and simple cash option
Fixed interest rate: check monthly payments, APR and interest rates with our calculator
Borrow from £1,000 to £50,000
No early repayment or early closure charges
Repayment terms from 1 to 7 years
Have a NatWest Business Account?
Log in with your Online Banking details and get a quote in 3 mins, without affecting your credit score. If you apply and get approved, you may have the cash in 24 hours.
You could get your loan funds on the same day if you apply online, are unconditionally accepted, and sign your loan documents by 16:30 Mon – Fri. Sometimes we need to contact you for more information, so it may take a little longer.
New to NatWest?
If you don’t have a NatWest Business Account, you can still apply online. Complete our online application form and we'll be in touch to discuss the next steps.
See your top questions answered
Fixed and Variable Rate Loans
Flexible loans for big projects
Fixed or variable interest rate. The rate you pay depends on your individual circumstances
Borrow from £25,001 to £10m on a fixed rate, with no upper limit on a variable rate
No early repayment or early closure fees
Repayment terms of up to 25 years
For higher loan amounts, we'd like to talk through your options. Pop your details in our form and we'll give you a call.
Variable interest rate borrowers: Changes in the NatWest Bank base rate will affect the amount you need to pay to fully repay your loan. If you repay your loan from an account with NatWest or via Direct Debit, we will automatically adjust your repayments to reflect changes in the NatWest Bank base rate going forward (or, wherever possible, let you know if we are not able to do so for whatever reason). If you repay your loan via standing order from an externally banked account, we will be in touch to let you know the next steps required to adjust your repayments accordingly.
96.55% of SME customers received an end quote that was the same, better or no more than 10% above their indicative quote.
Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. Representative APR (Annual Percentage Rate) is used for comparison purposes and shows the annual interest rate we expect at least 51% of customers who are accepted for and enter into a loan agreement with us to get. APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee.
Your top questions answered
More options to evolve your business
Move your business forward
Dive straight in to digital and event-based learning, as well as a community of like-minded individuals.
Other business lending solutions
We have a range of borrowing options for businesses including green loans, real estate finance and overdrafts.
Feeling the pinch of rising costs?
The cost of living has taken a leap, squeezing pockets everywhere. Visit our website for help to navigate the current business climate.
Customers with hearing and speech impairments can contact us by using our Relay UK Service: 18001 0345 711 4477
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.