Manage your borrowing | Royal Bank of Scotland

Manage your borrowing

Manage your borrowing

Make the most of your loan or overdraft

Security may be required. Product fees may apply. Over 18s only.
Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Manage your loan

Contact your Relationship Manager or Businessline team to help you manage elements of your loan.  

Final settlement figure

If you find yourself with extra money you may wish to repay your loan earlier by making one final payment. We can help by providing you with your final settlement figure and outlining the next steps. Get in touch. 

Making over payments

If your income increases you may wish to amend your repayments. With a variable rate loan, you can either keep the repayments the same and reduce your term or reduce the repayments and keep the same term. For a fixed rate loan, you may wish to reduce your repayments on the same terms. 

Change your repayment date

You may wish to change your repayment date if your financial circumstances change. Speak to a member of our team to see if you could choose a more appropriate loan payment date. 

Important information about your loan

Get your annual statement

Your annual summary settlement highlights any charges or interest that have been applied to an account during a 12 month period. You can request your statement by calling your Relationship Manager or downloading it in Digital Banking.

Request your annual statement

What's your interest rate? 

The interest rate on your loan will be specific to your circumstances and will be outlined in your Loan Agreement Document. You can request a copy if you've misplaced it or call us to find out your current interest rate.

Get in touch
Manage your overdraft

A business overdraft could help you boost cash flow when it matters or help when an unexpected cost comes along. We provide a free £500 overdraft for the first year for startups. Set up and renewal fees apply for all other business overdrafts. Interest is charged on how much you use and for how long.

Get in touch to discuss your limit
Additional borrowing needs

Business Insurance

Looking to protect the future of your company? Our specialists can offer tailored advice and quotes for your industry. We will also provide a personal claims handler with every claim.

Protect your business

Business Loans 

If you need to borrow more you may wish to take out a new loan. We have fixed or variable loans to suit your needs. Find out more about your business loan options and how to apply. 

Borrowing more

Asset Finance 

Looking to finance big business purchases such as vehicles or machinery without using cash that you could invest elsewhere? Lombard asset finance offers flexible schemes.

More on flexible schemes

Invoice Finance 

Keep your finances moving and improve your short-term cash flow by turning unpaid invoices into cash with RBS Invoice Finance, the UK's largest invoice finance provider.

More on Invoice Finance

Royal Bank of Scotland Business Insurance is arranged by UK Insurance Business Solutions Ltd and is underwritten by UK Insurance Limited trading as NIG. 

Business Matters
Add your signposting title here… Boost your business

Our support for your business goes beyond finance. We have lots of insight, tips and events to help you boost your business and help it grow.

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