Five successful growth strategies
Our experts have put together five ways to help ensure your business is a success. We think it's essential reading.
Fixed rate of interest
No arrangement fees
Suitable for all business customers
Apply online in under 10 minutes for some existing customers
Borrow from £1,000 to as much as £50,000 (subject to approval)
If you’re an existing customer, you could be eligible for personalised rates.
Ready to apply? Click here and we'll help you find the right application route for you.
Existing customers - Log in to our business lending application (with no obligation) or contact your Relationship Manager.
To apply you must be a UK resident aged 18 or over. A director's guarantee may be required. Subject to status, for business use only.
Your interest rate is calculated on the loan term, the amount you want to borrow and your status.
What you should know
A director, partner or member’s guarantee is a personal guarantee that confirms that you (the director) will be liable for the company’s debt. If you cannot meet the debt, we might seek additional security to settle that debt.
There's no obligation and you won't be credit checked.
75.9% 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
You’ll need the personal details of all of the partners, directors, members or signatories of the business (including their home addresses for the last 3 years). You’ll also need your business details, including your Company’s Registration Number (provided by Companies House) if you’re a limited company. Also, details of any countries you or your business is registered for tax purposes in and details of your business' year end accounts or cashflow forecasts. Find out more in the "Ready to apply" section, which will help you to prepare.
A poor credit rating or score can mean you are charged higher interest rates or given a smaller credit limit or even refused lending. Remember that we don't have to give you the interest rate we are advertising or that you have seen on comparison websites.
All assessments of eligibility for lending are done on the basis of the credit history of the individual, business owners or directors. Credit Scoring is part of the process used by banks and other lenders to help assess whether they will lend to you.
We have a guide on appealing a lending decision here.
No, you’re still very welcome to apply. We’ll just have to ask you a few more questions than we would if you were an existing customer.
Afraid not. However, if you were looking to borrow over £50,000, our Fixed Rate Loan and Variable Rate Loan both offer the option for repayment holidays.
Yes, customers who have a turnover of more than £2m, or are commercial customers, can now apply for a small business loan.
If you're an existing customer, it’s really important that your personal and business details are close matches to what we have on your file. If they're different, it will be worth updating them before you apply.
If in doubt, please check what is on file at Companies House and update any out of date information before you apply.
Please be accurate with your income declaration. If we believe you can't afford the repayments on the amount you apply, you may be declined.
For instance, if you declare an income of £250,000 and we see £180,000 going through your NatWest account, your application may be referred or declined.
You will need to speak to your relationship manager if you wish to borrow more than £50,000, or if your aggregate debt with us exceeds £50,000.
Our experts have put together five ways to help ensure your business is a success. We think it's essential reading.
Every successful business starts with a plan. We have six key do's and don'ts and tips on how to write yours.
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