Discover the right business funding for you
We provide enterprise owners with flexible, everyday business finance options. Whether you're after instant access to cash with a business credit card for day-to-day expenses, or a small business loan to fund a new project with, we could help you achieve your goals. Below you can compare our business loans available to our customers.
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 NatWest. Subject to status, business use only.
Fixed rate of interest
Could help you achieve your business goals
Suitable for most small to medium businesses
Borrow over 1 to 7 years
Up to 10 year terms may be available on request
Borrow from £1,000 up to £50,000 (subject to credit approval)
For UK based businesses of any size who have been impacted by the Covid-19 pandemic
Borrow from £25,050 up to £10m facility per business, subject to credit approval
Fixed or variable interest rate
Loan terms available for up to 6 years
Specific eligibility criteria apply. The borrower always remains 100% liable for the debt
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
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
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.
No product fees or early repayment charges
Terms are 3, 5, 7, 10 or 15 years
Borrow between £25,001 to £10m (subject to approval)
Option to take repayment holidays, including during a Family First event (conditions apply and you must keep paying the interest)
No early repayment charges
Borrow from £25,001 with no maximum upper limit, subject to credit approval
Terms are between 3 months to 25 years
Various repayment options and repayment holiday available, including during a Family First event (conditions apply and you must keep paying the interest)
Changes in the NatWest 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
We have a range of alternative business funding options that can help you achieve your goals. 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 suite you better.
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. Specific eligibility criteria applies. 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.
We could advance you up to 90% 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 3 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 (minimum eligibility criteria apply)
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 to finance with Lombard, our asset finance provider.
You can take ownership of the asset with 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
Rapid Cash is a simple funding solution that keeps you in control. We seamlessly integrate with your accounting system allowing you to:
Apply for an indicative quote in seconds
Enjoy a modern, intuitive platform that’s built with you and your business needs in mind
Access to low cost borrowing and no fixed fees, or fixed term agreements
Get the speed and flexibility you want without compromising on security, with state of the art security
Community business loans for charities and social enterprises that don't qualify for mainstream loans.
Apply for loan funding from £30,000 to £750,000
Loans are tailored to your business’ requirements by sector experts who will structure the loan to suit your operation
You could get flexible terms - including capital repayment holidays if you need them (conditions apply and you must keep paying the interest)
We’ve made it easy for you to compare our business banking products against our competitors. Just visit the following websites (suggested by the UK Government's Competition and Markets Authority):
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.
We are a Registered Firm with the Lending Standards Board which publishes the Standards of Lending Practice for Business Customers.
We have set out our commitments around how we will support UK SMEs, following the publication of the UK Government’s SME Finance Charter.
