Business finance done differently

A new way for clients to take control of their cash flow

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We’re excited to pilot our first integrated lending partnership.  We’ve partnered with NatWest to offer eligible small businesses the option to access finance directly from within Xero.

NatWest Rapid Cash is an ongoing cash flow management service that lets your clients access the money they’re owed whenever they need it.  Similar to invoice finance, Rapid Cash is powered by a revolving line of credit agreed by NatWest.  

Clients can get an obligation free quote from Rapid Cash in the invoices page within Xero.

No data is shared with NatWest without permission. To be eligible for Rapid Cash, businesses need to have been trading for a minimum of 6 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 and guarantee required. Product fees may apply.

NatWest Rapid Cash could be best used for businesses that

  • Regularly need working capital

    • Usually have over 30 day payment terms

    • May require additional working capital to fill orders

  • Have regular and reliable customers

  • Would benefit from a larger overdraft or may require an alternative option

How it works

Rapid Cash is powered by a revolving line of credit with a maximum limit agreed by NatWest.


Clients can nominate a number of their reliable customers. Outstanding invoices for these customers will build up the line of credit


NatWest uses data from outstanding invoices in Xero to determine your client’s available funds


Available funds fluctuate as invoices of nominated customers are issued and paid, or when new debtors are nominated


Your client can draw down on the available funds as much or as little as they’d like, as often as they need


Once set up, repayments are made automatically as nominated customers pay their invoices


Easy reconciliation. A direct feed into Xero makes reconciliation quick and easy, meaning up to date accurate records


Hassle free application. When your client is ready to apply they’ll be able to share information from Xero directly with NatWest to support their application


Ongoing visibility of your clients finances. You’ll be able to get a live view of how a client is using Rapid Cash through Xero

And unlike some invoice finance solutions...


Fair pricing

No monthly fees, or exit charges on limits up to £300k. Your clients only pay interest on the amount used and only until it’s repaid.


No obligation

No fixed-term contract or obligation to use the service. Stop any time, as long as the remaining balances are paid.


Their customer, their relationship

Rapid Cash won’t contact your clients' customers. The use of Rapid Cash is always discreet.

How are costs calculated?

Clients only pay interest on the amount they use for the time they use it. There are no monthly fees or exit charges on limits up to £300k. 

The interest rate is determined based on a risk and credit assessment. Clients will need to complete an application in order to see the interest rate NatWest could offer them. Rates range from 4.5% - 8.5% per annum above the Bank of England base rate for limits up to £300k.

Eligibility criteria applies. Security and guarantee required. Product fees may apply.

How to apply

Rapid Cash is only available on invoices issued after goods or services have been provided to your clients nominated customers. Invoices that request up front or progressive payments aren’t eligible. 


Update books

Make sure the books are up to date - reconcile transactions and record income received.


Connect Xero with Rapid Cash

NatWest uses the data from your clients business to work out their indicative quote.


Start the application with NatWest

NatWest will ask your client to upload relevant business documents and do a credit assessment by phone.


Get their interest rate and offer

Once they’ve been approved and choose to set up Rapid Cash, funds could be in their account within as little as 48 hours.

No data is shared with NatWest without permission



See all FAQs

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