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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

It's suitable for all business customers and applying online is quick and simple

Repayment Holiday for Existing Business Loan Customers

If you are an existing NatWest Customer you could be eligible for a Repayment Holiday on your Business Loan.

Repayment Holiday is available for up to 6 months.

Interest may accrue during any repayment holiday, meaning it may take longer to repay the loan and may cost more in the long run.

If you have a Relationship Manager you need to contact them in the first instance to discuss your needs.

If you do not have a Relationship Manager you can Apply Online. We will contact you within 7 business days.

Due to high demand it's taking longer to process applications, please bear with us.

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 information about our Small Business Loan.

Ready to apply?

Are you a...
What is your annual turnover...
Do you have online banking...

Existing customers

Log in to online banking to apply and receive personalised rates and faster application processing.

Due to high demand its taking longer to process applications, please bear with us.

Don't have online banking?

Apply now using our simple online application form.

Due to high demand its taking longer to process applications, please bear with us.

If your turnover is more than £2m per year

Please contact your Relationship Manager to discuss your needs.

New Customers

We are here to help, there is support available and we want to get it to those who need it, but with unprecedented demand in the first instance we are processing applications from our existing customers.

You may be able to access support more quickly by contacting your current bank.

If they are unable to assist; a list of accredited providers is also available on the British Business Bank website.

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.
 

92.73% 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.