Growing a business

Borrowing for your business

Everything you need to know about lending and how to make an application for funding.

What you need to know about lending

Our guides and checklists offer some practical pointers to businesses in applying for a loan with NatWest and how you can expect us to deal with your application.

Credit scoring guide

Understand how business finance decisions are made and the factors that may affect your application for finance.

How to appeal a business lending decision

Find out how to get a review of a business borrowing decision made by NatWest. Appeals are handled by our Business Hotline, an independent appeals team. 

Lending options

These are a selection of our products that some of our business customers have been choosing lately.

Security and / or Director’s guarantee may be required. Product fees may apply. To apply you must be a UK resident aged 18 or over. Subject to status, business use only. Specific eligibility criteria applies to Invoice Financing.

Small Business Loan

A fast, affordable way to borrow

Fixed rate of interest

Can help you achieve your business goals

Suitable for most small to medium businesses

Borrow over 1 to 10 years

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

Arranged Business Overdraft

A flexible, short-term safety net

No set minimum to pay back each month

Pay interest only on the amount you use

Borrow up to £50,000 unsecured (subject to credit approval). You can also apply for more, however this may result in security being required

Ideal for unexpected bills or emergencies

Invoice Finance

Access funds to improve your company’s working capital

We could advance you up to 90% of the value of an invoice. This is ideal if you get a sudden large contract through or have a just-in-time inventory strategy.

We offer 2 different types of Invoice Finance.

Release cash quickly and confidentially with Invoice Discounting

Release cash from your existing assets with Asset based lending (£6.5m turnover required)

Something else we can help you with?