RBS / Royal Bank of Scotland business loan
Business loans, overdrafts and asset finance for RBS Scotland-based business banking customers. Group lending criteria mirror NatWest.
Quick verdict
- Owner: NatWest Group plc (RBS is a brand within the group).
- Ticket band: £1k to £500k+ unsecured..
- If declined, the strongest alternatives are: Funding Circle, iwoca, Allica Bank.
At a glance
- Owner entity
- NatWest Group plc (RBS is a brand within the group)
- Ticket range
- £1k to £500k+ unsecured.
- Typical criteria
- Ltd or LLP, 2+ years trading, RBS business banking. Scotland-based applicants get specific routing.
- Decision pattern
- Online or via business manager. Scotland-based relationships often have local-manager decision authority.
- Last reviewed
- 2026-06-12
Common decline reasons
- Sub-2-year trading.
- Recent CCJs.
- Sector restrictions.
- Affordability ratio above thresholds.
If you have been declined
RBS criteria mirror NatWest. Pivot to fintech alternatives or specialist lenders rather than other high-street banks.
Alternatives we route to
What to have ready before you apply
UK banks underwriting an SMB facility at the £1k to £500k+ unsecured. band typically ask for the following before issuing a decision:
- Two years of filed accounts plus current management accounts.
- Six to twelve months of business bank statements.
- Director identification and proof of address.
- A clear written summary of how the funds will be used and how they will be repaid.
- Personal guarantee paperwork for limited-company directors (standard at this ticket band).
This is a generic UK SMB-bank application checklist. RBS / Royal Bank of Scotland business loan may ask for additional documents specific to the facility type or sector.
FAQ
What does RBS / Royal Bank of Scotland business loan offer?
Business loans, overdrafts and asset finance for RBS Scotland-based business banking customers. Group lending criteria mirror NatWest.
Who qualifies for RBS / Royal Bank of Scotland business loan?
Ltd or LLP, 2+ years trading, RBS business banking. Scotland-based applicants get specific routing.
How big a ticket does RBS / Royal Bank of Scotland business loan cover?
Ticket range: £1k to £500k+ unsecured.. Decision pattern: Online or via business manager. Scotland-based relationships often have local-manager decision authority..
Why does RBS / Royal Bank of Scotland business loan decline applications?
Sub-2-year trading. Recent CCJs. Sector restrictions. Affordability ratio above thresholds.
What should I do if RBS / Royal Bank of Scotland business loan declines my application?
RBS criteria mirror NatWest. Pivot to fintech alternatives or specialist lenders rather than other high-street banks.
What are the best alternatives to RBS / Royal Bank of Scotland business loan?
Alternatives we route to: Funding Circle; iwoca; Allica Bank; JPM Capital.
Related banks
Looking for something different?
- For independent editorial reviews of the lenders we route to, see BestBusinessLoans.
- For invoice finance, see MarketInvoice.
- For card terminals and merchant accounts, see TakeCardPayments.
Run the matcher
Tell us what RBS / Royal Bank of Scotland business loan declined or what you need, and we will match against the FundBiz panel. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-06-12.