Small Business Loan

Fast, flexible funding for your business

Apply in just 10 minutes, using your Online Banking details for a personalised experience. If approved, you could have the money within 24 hours

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

No set-up fees and no early repayment or early closure fees

A fixed interest rate, so your repayments stay the same throughout the loan

Loan terms from 1 to 7 years. Up to 10 years may be available on request, subject to credit status

Small Business Loan calculator

How much do you want to borrow?

Min value Max Value

Over how long do you want to repay the loan?

Min value Max Value

Representative example

Monthly repayments
Interest rate % (fixed)
Representative APR (variable)
Total repayment

92.31% of SME customers received an end quote that was the same, better or no more than 10% above their indicative quote.

How it works

1. Calculate rates

Quickly check possible loan and repayment amounts with our calculator

2. Apply online

Apply online, confirming your business income, assets, and address history

3. Get funds

If approved, you could have the money in your account within 24 hours

Important points to note before you apply

Apply for a Small Business Loan in a flash with Online Banking

Log in with your Online Banking details and apply in less than 10 minutes. You'll get an instant decision and if approved, you could have the money within 24 hours. 

Forgotten your details?

Don't have Online Banking? Register today

New customer? You can still apply for a Small Business Loan online

If you're a new customer you can still apply online. You'll need to complete the online application form, then we'll be back in touch to discuss your application and next steps.

Your top questions answered

Other ways to grow your business

Turn your long-term ambitions into action

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​.

Invest in commercial premises

As a property owner, you may benefit from increases in property value. This could be a great way to grow your business.

Other ways to borrow money

We have a range of borrowing options that could suit your situation, including a Commercial Mortgage and Business Overdrafts.

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.

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