Business lending

Discover the right business
funding for you

Everyday business borrowing

These are the products that most of our business customers have been choosing lately. If none of them seem right, we still have plenty of other options below.

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. Business credit cards are for eligible UK businesses only and you must maintain a business bank account in the same legal entity name with Royal Bank of Scotland. Your registered business address must also be in the UK and you should be registered for tax purposes in the UK. Subject to status, business use only.

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

Business cards

An ideal way to pay for day-to-day expenses
  • Choice of cards to fit your businesses needs
  • Can be used to pay for goods and services 
  • Quick and easy to apply for online
  • Minimum credit limit £500, maximum credit limit subject to status
  • Annual fee may apply 

Borrowing larger amounts

Whether you’ve found the perfect premises, or you’re looking to borrow towards a long-term project, we have several business finance options for large amounts. You can choose from our fixed or variable business loan products, our commercial mortgage product - which comes with a choice of fixed or variable repayments or one of our Real Estate finance products for your next Real Estate project. Explore our products below.

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.

Fixed Rate Loan

Offers the certainty of fixed repayments

No product fees or early repayment charges

Terms are 3, 5, 7 or 10 years

Borrow between £25,001 to £10m (subject to approval)

Option to take repayment holidays (conditions apply and you must keep paying the interest)

Variable Rate Loan

A loan that takes advantage of the Royal Bank base rate

No early repayment charges

Borrow from £25,001 upwards (subject to approval)

Terms are between 3 months to 25 years

Various repayment options - repayment holidays etc. (conditions apply and you must keep paying the interest)

Changes in the Royal Bank base rate will affect the amount you need to pay to fully repay your loan.

Commercial Mortgage

Buy commercial property with the flexibility of repayments

Borrow from £25,001 with no upper limit on a variable interest rate mortgage or up to £10m on a fixed interest rate, subject to approval

Fixed and variable interest rates available

Mortgage terms available up to 25 years

No early redemption charges

Real Estate Finance

Funding for your next Real Estate project that is built to last

Borrow from £50,000 upwards, subject to approval.

Building and developing residential property to sell

Investment in residential property to be let to third party tenants.

Investment in commercial premises to be leased out for business purposes

Alternative ways to borrow

If you want to borrow money against the value of an invoice, we have four types of Invoice Finance. If you need to buy equipment and don’t want the hassle of ownership, Asset Finance might suit you better.

Invoice finance

Access funds to improve your company’s working capital

Invoice finance is a way to borrow against the value of an unpaid invoice. We could lend you up to 95% 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 different types of Invoice Finance

  • Release cash quickly and confidentially with Invoice Discounting
  • We’ll chase unpaid invoices for you with Invoice Factoring
  • Release cash from your existing assets with Asset based lending (£6.5m turnover required)

Asset finance

A more flexible way to purchase vehicles or equipment

Asset finance allows you to fund large purchases for your business. It can be used to purchase anything from machinery and vehicles to tech and agricultural equipment.

We offer a range of options finance though our partner, Lombard.

  • You take ownership of the asset with a Hire purchase
  • You rent an asset rather than buying it outright with a Finance lease
  • Finance cars and vans for your business with Contract hire
  • Purchase high-value specialist equipment with an Operating lease

Useful info about business lending

See how we compare in the market

Additional support for your business

What we look for when lending you money

We’ll first need to check your credit ratings and that you meet our lending criteria. If everything is in order, you’ll get the green light.

Thinking about Business premises?

There are several factors to consider before you decide on your business premises. We could help with the decisions and suggest ways you could finance it.

Something else we can help you with?