Low-cost, highly flexible business finance
Rapid Cash is unique in the banking world. A low-cost, highly flexible way to improve your cashflow by borrowing against your unpaid invoices.
To be eligible for Rapid Cash, businesses need to have been trading for a minimum of six months and have an annual turnover of at least £100k. Businesses need to be Limited Company or Limited Liability Partnership registered in England & Wales. Security required. Fees may apply.
MoneyFacts Awards 2020 badge
Pricing page Box ofCoins
Low-cost, highly flexible business finance
Rapid Cash is unique in the banking world. A low-cost, highly flexible way to improve your cashflow by borrowing against your unpaid invoices.
Pricing page Box ofCoins
To be eligible for Rapid Cash, businesses need to have been trading for a minimum of six months and have an annual turnover of at least £100k. Businesses need to be Limited Company or Limited Liability Partnership registered in England & Wales. Security required. Fees may apply.
See how NatWest Rapid Cash compares
See how our award-winning and innovative business finance solution compares on costs and features with other NatWest products.
Compare
Security
Flexibility
Cost
Speed
Service
NatWest Rapid Cash
Security required
Your facility amount grows and shrinks with your business. Terms and conditions apply.
Only pay interest on what you borrow. An arrangement fee and annual renewal fee applies for limits over £300k.
Could get approved in 48 hours and receive funds within two hours of approval.
Access your account via Rapid Cash’s online platform or speak to a member of the Rapid Cash team.
Overdrafts
Security required
A fixed, predetermined amount you can borrow against. Terms and conditions apply.
Only pay interest on what you borrow. Arrangement fees apply.
Apply online in five minutes. For overdrafts under £50k, access funding in 24 hours. For overdrafts over £50k, further time will be required to access funding due to additional procedures.
Access your account via Online Banking or speak to your Relationship Manager or the NatWest call centre.
Business loans
Secured and unsecured options are available
Fixed-term loans with a defined repayment schedule. Terms and conditions vary with product option.
Variable or fixed rates of interest are available. Arrangement and/or security fees may apply.
For unsecured loans, apply online in five minutes to get funding within 24 hours. For secured loans, further time will be required due to additional procedures.
Access your account via Online Banking or speak to your Relationship Manager or the NatWest call centre.
Invoice finance
Security required
Your facility amount grows and shrinks with your business. Terms and conditions apply.
Fixed annual service charges and discount margins based on your advanced funds.
Apply online in five minutes. Could get approved and access funding within five to 10 working days of applying.
Access your facility limit via a desktop system. Face-to-face support from designated client manager & client support team.
Business credit card
No security required
Use your card for any purchase up to your facility limit. Terms and conditions apply.
Card annual fees apply. Please see terms and conditions.
Apply online in five minutes. If your application is successful, you’ll receive your card within seven working days.
You can access your self-serve card programme via the ClearSpend mobile app or NatWest’s telephony services.
See how NatWest Rapid Cash compares
See how our award-winning and innovative business finance solution compares on costs and features with other NatWest products.
Security
NatWest Rapid Cash
Security required
Overdrafts
Security required
Business loans
Secured and unsecured options are available
Invoice finance
Security required
Business credit card
No security required
Flexibility
NatWest Rapid Cash
Your facility amount grows and shrinks with your business. Terms and conditions apply.
Overdrafts
A fixed, predetermined amount you can borrow against. Terms and conditions apply.
Business loans
Fixed-term loans with a defined repayment schedule. Terms and conditions vary with product option.
Invoice finance
Your facility amount grows and shrinks with your business. Terms and conditions apply.
Business credit card
Use your card for any purchase up to your facility limit. Terms and conditions apply.
Cost
NatWest Rapid Cash
Only pay interest on what you borrow. An arrangement fee and annual renewal fee applies for limits over £300k.
Overdrafts
Only pay interest on what you borrow. Arrangement fees apply.
Business loans
Variable or fixed rates of interest are available. Arrangement and/or security fees may apply.
Invoice finance
Fixed annual service charges and discount margins based on your advanced funds.
Business credit card
Card annual fees apply. Please see terms and conditions.
Speed
NatWest Rapid Cash
Could get approved in 48 hours and receive funds within two hours of approval.
Overdrafts
Apply online in five minutes. For overdrafts under £50k, access funding in 24 hours. For overdrafts over £50k, further time will be required to access funding due to additional procedures.
Business loans
For unsecured loans, apply online in five minutes to get funding within 24 hours. For secured loans, further time will be required due to additional procedures.
Invoice finance
Apply online in five minutes. Could get approved and access funding within five to 10 working days of applying.
Business credit card
Apply online in five minutes. If your application is successful, you’ll receive your card within seven working days.
Service
NatWest Rapid Cash
Access your account via Rapid Cash’s online platform or speak to a member of the Rapid Cash team.
Overdrafts
Access your account via Online Banking or speak to your Relationship Manager or the NatWest call centre.
Business loans
Access your account via Online Banking or speak to your Relationship Manager or the NatWest call centre.
Invoice finance
Access your facility limit via a desktop system. Face-to-face support from designated client manager & client support team.
Business credit card
You can access your self-serve card programme via the ClearSpend mobile app or NatWest’s telephony services.
Is Rapid Cash right for your business?
You’ve been trading six months or more.
You have an annual turnover of £100K+.
Your company is a Limited Company or a Limited Liability Partnership.
You invoice other businesses.
You invoice businesses after the work is complete.
You can use one of the following accounting packages: Sage 50, Sage Business Cloud, Xero, Quickbooks Online, (Oracle) Netsuite, KashFlow or FreeAgent

Get started in five minutes.
Get approved in 48 hours.

Funding subject to application approval and business hours i.e. Monday to Friday from 9am to 5pm.