Variable rate loan

Flexible borrowing options for your business

About our variable rate business loan

The Variable Rate Loan is designed for those who are comfortable with variable interest rates, and who may want to overpay or close their loan early.
  • The loan amount is tailored entirely to your business needs. Subject to approval.
  • Loans can be taken over a term between 3 months and 25 years.
  • Various repayment options available including; capital and interest, capital only and interest only.
  • You can repay your loan early with no redemption charges.
  • The variable rate of interest means that if the Bank’s base rate rises or falls, your repayments will increase or decrease in line with this.

Your Relationship Manager will work with you to help you understand the process and to clearly explain all costs.

Important information

  • An arrangement fee may apply, based on deal size and complexity.
  • A security fee may be charged if any security is taken based on the complexity of the security.
  • Security may be required. Product fees may apply. Over 18s only.

Common questions about our variable rate business loans

Ready to apply?

Before you apply, we've outlined the eligibility for Business Loans below, along with our terms and conditions so you can make sure it's the right option for you.

You can apply for a Business Variable Rate Loan if you are:

  • aged 18+, and;
  • permanently resident in the Channel Islands, Isle of Man or Gibraltar and;
  • your business is registered in the Channel Islands, Isle of Man or Gibraltar and;
  • an existing NatWest International Business Account holder.

How to get in touch

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Call us

Jersey customers:
01534 282961

Guernsey customers:
01481 703845

Isle of Man customers:
01624 697741

Gibraltar customers:
200 14400

Lines are open Monday to Tuesday 9am - 5pm, Wednesday 10am - 5pm and Thursday to Friday 9am - 5pm (except public holidays). Calls may be recorded.

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Visit your nearest branch

Find where your nearest branch is located and speak to a member of staff about how we can help you. 

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