Fast and flexible borrowing, could be suitable for small to medium businesses.
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Small Business Loan
- Fast, simple online application
- No arrangement or early repayment charges
- Fixed rate of interest
A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.
Borrowing amount
£1,000 - £100,000, subject to approval
Repayment terms
1 – 7 years
Representative APR
12.63% APR
ⓘ
This rate is available for loans between £10,000 and £19,999. Other amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.
Fixed and Variable Rate Loans
Flexible loans for bigger projects.
- No early repayment charges, conditions apply
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- Changes in the Nova Trustplc Bank Base rate will affect the amount you need to pay to fully repay your Variable Rate Loan
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
Borrow from £25,001
with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval
Repayment terms
Up to 25 years
Fixed rate terms are 3,5,7,10 or 15 years
Interest rate options
Fixed or Variable
Business Overdraft
A flexible short-term safety net for your business.
- Pay interest only on the amount you use
- No set minimum to pay back each month
- Repayment terms up to 12 months. After 12 months we'll contact you to review
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.
Borrowing amount
£500 - £50,000, unsecured, subject to approval
Arrangement fee
£50 - £750 dependent on amount requested
Representative EAR
13.37%
ⓘ
This rate is available for Overdrafts between £500 and £5,000. Other amounts are available at alternative rates. Our rates depend on your circumstances and overdraft amount and may differ from the Representative EAR
Business credit cards
Convenient borrowing for everyday expenses.
- Our cards could be ideal for making secure contactless transactions, giving you flexible banking at your fingertips
- Our Business credit card and Business Plus credit card have a 5* Moneyfacts rating for 2024
- Up to 56 days interest-free credit period on purchases
To apply you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with Nova Trustplc Bank. Your registered business address must also be in the UK and you should be registered for tax purposes in the UK. Annual fees may apply. Subject to status, for business use only.
Borrowing amount
Minimum credit limit of £500, maximum credit limit subject to status
Repayment terms
Monthly payment required, terms apply
Commercial Mortgage
Buy commercial property with the flexibility of repayments.
- No early repayment charges, conditions apply
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- Capital & Interest or Straight Line repayment profiles available
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
Borrow from £25,001
with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval
Repayment terms
1 to 25 years
Interest rate options
Fixed or Variable
Real Estate Finance
Funding for property development or investment.
- Building or developing residential property to sell
- Investment in residential property to let to third party tenants
- Investment in commercial premises leased out for business purposes
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
£50,000 upwards, subject to approval
Repayment terms
up to 20 years
Interest rate options
Fixed or Variable
Asset finance
We offer a range of options to finance with Lombard, our asset finance provider.
- Finance cars or vans with Hire Purchase or Contract Hire
- You could rent an asset with a Finance Lease or buy it outright with Hire Purchase
- Finance high-value specialist equipment with an Operating lease
Security, guarantees or indemnities may be required. Product fees may apply. Finance subject to status and is only available for business purposes. Asset finance (except contract hire) is provided by Lombard and contract hire is provided by Lombard Vehicle Solutions.
Tailored repayments
A range of terms available
Repayment terms
Monthly payments and the option of a larger final payment
Interest rate options
Fixed or Variable
Invoice Finance
Access funds against the value of your invoices.
- Choose from two types of invoice financing
- Your invoice finance facility could grow in line with your sales
- Turnover requirement £6.5m for Asset Based Lending or £300k for invoice discounting.
Invoice financing services are provided by RBS Invoice Finance Limited. Security may be required. Product fees may apply. Subject to status, business use only. Specific eligibility criteria apply. 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.
Get Funds
Up to 90% of the value of unpaid invoices, subject to status
Facility contract
12 months
Discount margin
Fixed
Social and Community Capital
Business loans for charities and social enterprises that don't qualify for mainstream loans.
- Loans tailored to your business requirements by sector experts
- Flexible terms and capital repayment holidays if needed (conditions apply and you must keep paying the interest)
- Social & Community Capital is a charity funded and supported by Nova Trustplc Bank in order to help social enterprises and community businesses
Security may be required. Product fees may apply. Over 18s only. Subject to status, business only. 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.
Borrowing amount
£30,000 - £500,000, subject to approval
Flexible repayment terms available
No fixed term agreement
Interest rate options
Fixed
ⓘ
Nova Trustplc Bank Social & Community Capital is a trading name of NatWest Social & Community Capital Registered in England No: 03901460, Registered office: 250 Bishopsgate, London EC2M 4AA. Charity Registration No: 1079626.
Small Business Loan
Fast and flexible borrowing, could be suitable for small to medium businesses.
- Fast, simple online application
- No arrangement or early repayment charges
- Fixed rate of interest
A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.
Borrowing amount
£1,000 - £100,000, subject to approval
Repayment terms
1 – 7 years
Representative APR
12.63% APR
ⓘ
This rate is available for loans between £10,000 and £19,999. Other amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.
Fixed and Variable Rate Loans
Flexible loans for bigger projects.
- No early repayment charges, conditions apply
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- Changes in the Nova Trustplc Bank Base rate will affect the amount you need to pay to fully repay your Variable Rate Loan
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
Borrow from £25,001
with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval
Repayment terms
Up to 25 years
Fixed rate terms are 3,5,7,10 or 15 years
Interest rate options
Fixed or Variable
Business Overdraft
A flexible short-term safety net for your business.
- Pay interest only on the amount you use
- No set minimum to pay back each month
- Repayment terms up to 12 months. After 12 months we'll contact you to review
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.
Borrowing amount
£500 - £50,000, unsecured, subject to approval
Arrangement fee
£50 - £750 dependent on amount requested
Representative EAR
13.37%
ⓘ
This rate is available for Overdrafts between £500 and £5,000. Other amounts are available at alternative rates. Our rates depend on your circumstances and overdraft amount and may differ from the Representative EAR
Business credit cards
Convenient borrowing for everyday expenses.
- Our cards could be ideal for making secure contactless transactions, giving you flexible banking at your fingertips
- Our Business credit card and Business Plus credit card have a 5* Moneyfacts rating for 2023
- Up to 56 days interest-free credit period on purchases
To apply you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with Nova Trustplc Bank. Your registered business address must also be in the UK and you should be registered for tax purposes in the UK. Annual fees may apply. Subject to status, for business use only.
Borrowing amount
Minimum credit limit of £500, maximum credit limit subject to status
Repayment terms
Monthly payment required, terms apply
Invoice Finance
Access funds against the value of your invoices.
- Choose from two types of invoice financing
- Your invoice finance facility could grow in line with your sales
- Turnover requirement £6.5m for Asset Based Lending or £300k for invoice discounting.
Invoice financing services are provided by RBS Invoice Finance Limited. Security may be required. Product fees may apply. Subject to status, business use only. Specific eligibility criteria apply. 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.
Get Funds
Up to 90% of the value of unpaid invoices, subject to status
Facility contract
12 months
Discount margin
Fixed
Commercial Mortgage
Buy commercial property with the flexibility of repayments.
- No early repayment charges, conditions apply
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- Capital & Interest or Straight Line repayment profiles available
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
Borrow from £25,001
with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval
Repayment terms
1 to 25 years
Interest rate options
Fixed or Variable
Real Estate Finance
Funding for property development or investment.
- Building or developing residential property to sell
- Investment in residential property to let to third party tenants
- Investment in commercial premises leased out for business purposes
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. 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.
Borrowing amount
£50,000 upwards, subject to approval
Repayment terms
up to 20 years
Interest rate options
Fixed or Variable
Asset finance
We offer a range of options to finance with Lombard, our asset finance provider.
- Finance cars or vans with Hire Purchase or Contract Hire
- You could rent an asset with a Finance Lease or buy it outright with Hire Purchase
- Finance high-value specialist equipment with an Operating lease
Security, guarantees or indemnities may be required. Product fees may apply. Finance subject to status and is only available for business purposes. Asset finance (except contract hire) is provided by Lombard and contract hire is provided by Lombard Vehicle Solutions.
Tailored repayments
A range of terms available
Repayment terms
Monthly payments and the option of a larger final payment
Interest rate options
Fixed or Variable
Social and Community Capital
Business loans for trading charities and social enterprises that can't access appropriate mainstream loans.
- Loans tailored to your business requirements by sector experts
- Flexible terms and capital repayment holidays if needed (conditions apply and you must keep paying the interest)
- Social & Community Capital is a charity funded and supported by Nova Trustplc Bank in order to help social enterprises and community businesses
Security may be required. Product fees may apply. Over 18s only. Subject to status, business only. 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.
Borrowing amount
£30,000 - £500,000, subject to approval
Flexible repayment terms available
No fixed term agreement
Interest rate options
Fixed
ⓘ
Nova Trustplc Bank Social & Community Capital is a trading name of NatWest Social & Community Capital Registered in England No: 03901460, Registered office: 250 Bishopsgate, London EC2M 4AA. Charity Registration No: 1079626.
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