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Small Business Loan

Business funding that’s fast, simple and flexible

Looking for funding to support your business through challenging times?

Our Small Business Loan could be the ideal lending solution. Whether you're looking to ease the impacts of coronavirus, or need funds for everyday requirements, applying online is quick and simple.

Borrow from £1,000 to as much as £50,000, subject to approval

No arrangement or early repayment fees

Choose to pay us back over a term of 1 to 7 years, subject to credit status

Up to 10 year terms may be available on request.

Fixed rate of interest

All business customers are eligible and applying online is quick and simple

Small Business Loan fact sheet (PDF, 1.49MB)

The small business loan in detail...

Borrow from £1,000 to £50,000

No arrangement or early repayment fees

Borrow from 1 to 7 years

Fixed rate of interest

How business loan rates are calculated

Form of guarantee

Useful info about our Small Business Loan

Ready to apply?

You must be authorised to apply for a loan on behalf of your business.

We will complete a full credit check on all key principals of the business using a credit reference agency.

Has your business been affected by coronavirus (COVID-19)?
Tell us about your relationship with NatWest...
How much do you want to borrow?

Apply for the Recovery Loan Scheme

If your business has been affected by Covid-19, you may be eligible to apply for the Recovery Loan Scheme (RLS). The new Scheme aims to support businesses affected by Covid-19 as they recover and grow following the coronavirus pandemic.

Do you have Online Banking?

Log in to apply online

Log in to Online Banking to apply for a Small Business Loan and receive personalised rates and faster application processing.

Apply online if you don't have online banking

If you're an existing customer but don’t have Online Banking,  you can apply for a Small Business Loan using our simple online application form.

Apply online for a Small Business Loan

Apply now for a Small Business Loan using our simple online application form.

Tell us about your relationship with NatWest...
Do you have Online Banking?

Log in to apply online

Log in to Online Banking to apply for a Small Business Loan and receive personalised rates and faster application processing.

Apply online if you don't have Online Banking

If you're an existing customer but don’t have Online Banking, you can apply for a Small Business Loan using our simple online application form.

Apply online for a Small Business Loan

Apply now for a Small Business Loan using our simple online application form.

Customers with hearing and speech impairments can contact us by using our Relay UK Service: 18001 0345 711 4477

For more information visit the accessibility page.

Calls may be recorded for training and monitoring purposes.

To see how much your call might cost, visit the call charge information page.

Don't have online banking, why not register today?

Setting up Online Banking will only take a few minutes and gives you all the tools you need to manage your money online.

Business loan calculator

Our Small Business Loan interest rate calculator can show you the rates you might pay and check your eligibility for lending up to £25,000. You can now also check the rates you're likely to pay for lending up to £50,000.

Amount you'd like to borrow

Note: You can only check rates up to £25k. You can still apply online for up to £50k.

You'd like to repay it over

  • The rate you pay depends on your circumstances and loan amount may differ from the Representative APR.
  • Representative APR (Annual Percentage Rate) is used for comparison purposes and shows the annual interest rate we expect at least 51% of customers who are accepted for and enter into a loan agreement with us to get. APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee.

Representative example

Monthly repayments

£7,500

Interest rate % (fixed)

8.2%

Total repayment

£8,253.00

Representative APR (variable)

£137.55

There's no obligation and you won't be credit checked.
 

For Jan 2021, 96.43% of SME customers received an end quote that was the same, better or no more than 10% above their indicative quote. 

You may also be eligible for a Business Overdraft

  • The rate you pay depends on your circumstances and loan amount may differ from the Representative APR.
  • Representative APR (Annual Percentage Rate) is used for comparison purposes and shows the annual interest rate we expect at least 51% of customers who are accepted for and enter into a loan agreement with us to get. APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee.

Something else we can help you with?

National Westminster Bank Plc. Registered in England and Wales (Registered Number 929027), Registered Office: 250 Bishopsgate, London EC2M 4AA.