Small Business Loan
- 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)
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.
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.
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)
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.
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
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
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.
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. Specific eligibility criteria applies to Invoice Finance and Asset Finance. 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.
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
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.
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.
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.