RBS Business Loans

How business loans work

"The options for business owners in accessing funding have improved significantly in the last 2 years".

The growth of peer to peer funding and crowdfunding platforms offering finance means that high street banks no longer have control over this market for loans up to £500,000.

How much you can borrow, how long for and how much you are likely to pay in interest will depend on the reasons for the loan, the current and past performance of your business and various other factors.

To find out the best type of business borrowing for your specific needs and circumstances, it is well worth talking to a professional loan advisor.

We can help you access the money you need at the most affordable price quickly and with the less possible hassle.

Understanding business loans

There are various types of business finance which may be appropriate for your borrowing needs.

• Short and long term finance

Whether you need short term finance to help with cash flow, or finance over a longer term to fund expansion, business loans can be acquired over a range of different terms to suit a variety of business needs. For bridging loans use our bridging loan calculator

• Unsecured business loans

If you need to borrow a relatively small amount, you may be able to take the loan on an unsecured basis. This can allow you to access the money you need relatively quickly with a fairly simply application process. 

Royal Bank Of Scotland Business Loans

RBS are a popular choice for business loans.

Depending on the size and nature of your business and how much you need to borrow, there are several different types of loans RBS offers for businesses.

Small business loans

RBS offers unsecured small business loans with a number of attractive features for borrowers. These include:

• Borrowing from £1,000-£25,000
• No arrangement fees
• Fixed interest rates
• Loan terms of 1-10 years
• 1% interest rate discount to existing RBS customers with a Royalties Business Current Account
• The option for a repayment holiday at the start of the loan term (subject to circumstances)

Startup and SME business loans

RBS work with Entrepreneurial Spark who are the world’s largest free business accelerator for early stage and growing ventures. RBS offer advice and a startup package suitable for new businesses which include a specialised bank account, credit card and insurance.

RBS offer small business loans to startups (companies launched in the last 12 months) and SMEs. These loans are supported by relationship managers to help young businesses make smart choices.

£2million + turnover business loans

For larger and established businesses, RBS offers a range of different business finance options.

This includes commercial mortgages to facilitate property purchases, invoice finance to help manage your short term cashflow and secured business loans for when more significant borrowing is required.

To Find out the best business loan deal for your situation complete our enquiry form above.