Due to the challenging times we’re all experiencing, we’re dealing with a much higher number of calls from customers than normal. So that our colleagues can help customers most in need, some Telephone Banking services are temporarily unavailable. Find out more.

Loans and finance

We understand that manufacturing businesses have unique banking needs. 

Whether it is assisting with cashflow needs, financing growth or acquisitions, our manufacturing trained managers can provide guidance to help find the most appropriate banking package for your business.

Loans and overdrafts

Whether you require overdraft facilities to make the most of an immediate opportunity or longer-term funding to support strategic growth, we have a range of flexible finance options and products to suit your needs.

Business Loans and Commercial Mortgages

Whatever your plans, we will try to find the right financing solution for you. With loan terms of up to 15 years and a choice of Bank of England base rate linked or fixed rate*, we can tailor a lending solution to meet your needs.

Asset Finance

If you need help to invest in machinery to automate your production lines, new plant or other manufacturing equipment, we’ll give you competitive rates and a response typically within 24 hours.

Enterprise Finance Guarantee (EFG)

Through EFG, we can provide access to funding when you lack security, or want to free up your overdraft. We can offer the option of variable or fixed rates of interest, and include capital repayment holidays.

Business Growth Fund (BGF)

This is long-term capital funding designed to help privately-owned and profitable businesses’ investment for growth. Receive up to ten years funding with flexible investment structures tailored to your individual business needs. BGF also provides vital business guidance through taking a seat on your board.

Invoice Finance

With Invoice Finance, including Invoice Factoring and Invoice Discounting, you can typically receive up to 90% of the value of invoices typically within 24 hours, giving you an instant cash injection or predictable cash flow to help you plan ahead more confidently. The level of available funding automatically grows as your business does.

Asset Based Lending

This enhanced funding mechanism helps raise finance on the high levels of inventory required to run your business smoothly. As a cost effective alternative to borrowing, it provides fast access to working capital and frees up funds tied up in inventory, plant and machinery.

Find out more about our loans and overdrafts



You can bolster your cashflow with invoice finance or support the acquisition of equipment with asset finance.

Find out more about commercial finance


Personal banking

The Commercial Personal Banking service is a unique relationship-based offer to directors, senior management and key personnel of our larger commercial companies. Your commercial personal banking manager complements your business relationship with us and makes it easier for you to manage all your finances together - however demanding your professional role.


All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business. You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.

Get in touch

We have dedicated Relationship Managers based across Scotland.

Our commitment to Scottish business

We're committed to helping Scottish businesses grow and develop by giving them the support they need – our Business Charter will tell you more.

Making sure you get a fair deal

We want to find a product that’s right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what’s expected of us, the lender, and you, the borrower.