Natwest Business Banking | Retail wholesale


Retail and wholesale

Build on firm foundations - with insight developed over 400 years supporting businesses

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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.

Retail and wholesale sector expertise

Our broad experience serving the UK retail and wholesale market gives us the experience to structure the right solutions to support your business needs.

Whether you need day-to-day banking services, international trade solutions or leveraged transactions, you’ll find a full suite of banking services. We have extensive experience in the sector, serving 7 out of 10 UK retailers. Add this to our global capabilities and you’ll find the resources to support every aspect of your business.

Key benefits
Local expertise, guidance and support

Get more than sector-specific knowledge and regional expertise. With over 60 retail and wholesale experts across the UK, our team’s commitment to the sector means you get the right guidance and support as and when you request.

Tailored financial solutions

Our team relies upon broad sector knowledge to tailor appropriate financial products for your business. Get a range of services like invoice and asset finance, international trade solutions, NatWest Mentor and Bankline, our award-winning internet banking service

Industry networking and relationships

Stay abreast of developments in retail and wholesale. Network with professionals in the sector. Our events, forums and seminars range from Entrepreneur Accelerator, supporting thousands of SME businesses, to bespoke corporate events like our retail sector forum, run in partnership with BDO.

Whatever your plans we’re always on hand

Expanding your business activities? Need growth momentum with lower capital outlay? Whatever your need, our experienced team of retail and wholesale sector specialists is on hand to help create strategic options for you.


Bespoke banking services tailored to the wholesale industry whether you're a single site operator or a large multinational.

Draw upon the experience and expertise of our network of wholesale relationship managers based across the UK who understand the sector and the opportunities and challenges wholesalers face.


Specialist expertise across all the wholesale sub-sectors:


 - Food

 - Clothing

 - Footwear

 - Jewellery

 - Wholesale

 - Toys

 - Health & beauty

 - Petrol

Are you a franchise?

Looking to become a franchisee or a franchisor? Find out how we could help.

Find out more on franchising

The right products for the right results

Access tailored financial support and a broad range of bespoke products to help your retail or wholesale business get moving.


Icon expand Asset finance

Use the power of asset finance to improve your cash flow and working capital. We work closely with our colleagues at Lombard to help finance a large range of assets. These include commonly used assets like vehicles and IT equipment, plant and machinery, renewable energy and more.

More on asset finance from Lombard

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Invoice finance unlocks the value tied up in your unpaid invoices. Release working capital, getting up to 90% of the value of money owed, within 24 hours. A key benefit of invoice finance is that the funding we provide increases in line with a business’ sales performance. This means a business could get the funds it needs to grow and reap the rewards of that expansion straight away. Invoice finance can appeal to a wide range of markets, however key sectors are: recruitment, engineering, transport, wholesale, manufacturing and services.

More on invoice finance

Icon expand Commercial card services

Whatever size your business, commercial cards give you flexibility. Smooth your cash flow and manage expenses with our business card solutions.

More on commercial card services

Icon expand Liquidity management

If you’re looking for a flexible instant access savings account, our Liquidity Manager Account could be suitable for you – it's designed to help you manage your working capital easier.

More on liquidity management

Icon expand Foreign exchange

When it comes to making foreign transactions, we offer a full range of services, from straightforward currency exchange to complete risk management solutions, meeting the simplest or most complex customer needs.

More on foreign exchange

Icon expand Bankline

Enabling your business to manage everyday banking, payments and transfers online.

More on Bankline

International trade products and solutions

International cash management 

International cash management

International trade finance

International trade finance

International online solutions

International online solutions

Invoice financing services are provided by RBS Invoice Finance Limited. Registered in England & Wales No. 662221. Registered office: Smith House, Elmwood Avenue, Feltham, Middlesex TW13 7QD

Asset finance is provided by Lombard North Central PLC. Registered in England & Wales No.337004. Registered Office: 250 Bishopsgate, London, EC2M 4AA

Lombard Vehicle Solutions is a contract hire and fleet management product provided by ALD Automotive Ltd. trading as Lombard Vehicle Solutions, Oakwood Park, Lodge Causeway, Fishponds, Bristol BS16 3JA. ALD Automotive is registered in England & Wales No. 987418

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