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Managing the impact

What actions can I take?

Help to cope with the increased costs of trading

If you've noticed the cost of business going up in recent months, you're not alone. Supply chain issues, material, fuel and energy cost increases, as well as labour shortages, have meant many businesses are feeling the pinch.

Read on for some actions you could take.

Find the tools you need

If you're looking for support around the increasing cost of doing business, we could help.

Answer a few questions about your business and we'll point you in the right direction.

Describe your business
What are you most concerned about?

Supply chain disruption

Some actions you could take now:

 

 

Further support you could access:

 

 

*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.

Rising interest rates or cashflow pressures

Some actions you could take now:

 

*Eligibility criteria apply, and security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility and approval. Business use only. Terms apply.

 

Further support you could access:

 

What are you most concerned about?

Supply chain disruption

Some actions you could take now:

 

 

Further support you could access:

 

 

*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.

Rising interest rates or cashflow pressures

Some actions you could take now:

 

*Eligibility criteria apply, and security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility and approval. Business use only. Terms apply.

 

Further support you could access:

 

What are you most concerned about?

Supply chain disruption

Some actions you could take now:

 

 

Further support you could access:

 

 

*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.

Rising interest rates or cashflow pressures

Some actions you could take now:

 

*Eligibility criteria apply, and security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility and approval. Business use only. Terms apply.

 

Further support you could access:

 

What are you most concerned about?

Supply chain disruption

Some actions you could take now:

 

 

Further support you could access:

 

 

*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.

Rising interest rates or cashflow pressures

Some actions you could take now:

 

*Eligibility criteria apply, and security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility and approval. Business use only. Terms apply.

 

Further support you could access:

 

What are you most concerned about?

Supply chain disruption

Some actions you could take now:

 

 

Further support you could access:

 

 

*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.

Rising interest rates or cashflow pressures

Some actions you could take now:

 

*Eligibility criteria apply, and security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility and approval. Business use only. Terms apply.

 

Further support you could access:

 

Save on energy costs

Business electricity prices have gone up dramatically since 2021. Becoming more energy-efficient could save you money now and in the long term.

Small steps to save energy

These tips could help your business reduce energy spending and become more sustainable.

Cut costs and carbon emissions

Carbon Planner will measure your carbon footprint and give you potential cost and carbon savings for your business. It’s free to use and could help you become a more sustainable and climate conscious organisation.

Facing the climate challenge

We're here to support your business and your climate goals, as we all make the transition to a low-carbon economy.

Conduct an energy audit

An energy audit will allows you to spot quick energy and cost savings.  Energy consultants could help with this, and you could also speak to our experts at Mentor. There’s a fee for some Mentor services.

Could becoming more sustainable help you save money?

Plan for the future with a Green Loan

Get a boost towards your sustainability ambitions with a Green Loan. If your business is eligible, you could get an arrangement fee-free loan for eligible business assets such as solar panels, electric vehicles, or heat pumps.

Help to become a net zero business

Access a wealth of information on the Zero Carbon Business platform. It provides guides, case studies, events and support from the UK's main business organisations and professional bodies.

Think about your everyday cash flow

*Saving figure based on customers switching from various providers to Tyl: between Jan and June 2022. Average savings not inclusive of introductory offers.

Access funds from unpaid invoices

Borrowing against your unpaid invoices could help you improve cash flow and help grow your business. Eligibility applies. Fees may apply.

Business loans

Whether you’re looking for a small business loan to buy stock or a larger loan to expand your assets, we have a variety of fixed and variable options to suit your needs. Eligibility, terms and conditions apply.

Short-term borrowing

Overdrafts are a short-term option to solve day to day cashflow needs. Eligbility and terms apply. Fees may apply.

Taking card payments

With 8 out of 10 businesses saving when switching to Tyl by NatWest*, we're confident our pricing could reduce your bills. Fees and eligibility criteria apply.

Cut taxes on plant and machinery

Use Swoop's simple tax calculator to see if you could save on qualifying plant and machinery*.

Swoop also offer a quick and free grant finder tool, to search grants that might be relevant to your business.

*Only companies that pay corporation tax can take advantage of this tax incentive.

Helping your team

Supporting your employees

Your people will be feeling the pressure of rising costs too. Explore ways you can develop and motivate your team and support them through the current crisis.

Help with personal finances

If you're worried about the cost of living impacting on your personal finances, we have info, resources, and advice to help you manage your money.

Could selling take you further?

If your business is in good shape and you're thinking about selling, the experts at Coutts have put together a Business Exit Programme..

Learn how to prepare your business for sale, sale strategies, and helpful tips to prepare for life afterwards. You’ll be helped by bitesize videos, articles, and masterclasses.

Get in touch for more support

If you have a relationship manager, they’re the best person to contact.

Chat with us online

The quickest way to get in touch is via webchat. Click the 'Chat now' button here to start.

 

 

24/7 secure messaging

If you’re logged in to Online Banking or our mobile app, you can use 24/7 secure messaging.

Online Banking & app criteria apply.

Business WhatsApp

Chat with us securely on WhatsApp for your business banking queries.

Call us

For business banking support, or if you're in financial difficulty, you can call our team.

We're committed to making our services available to everyone

However you choose to bank with us, we're committed to making it easier. 

Banking my Way is a free service that allows you to record information about the support or adjustments you need to make it easier to bank with us.

Anything else we can help you with?