ROYAL Bank of Scotland has said customers that want to borrow up to £2 million for commercial property investment will get a decision on the creditworthiness of their application in as little as 45 minutes under a new scheme. The lender said the process would provide customers with clarity and certainty and enable them to draw down funds in a matter of weeks. Stuart Heslop, regional managing director for real estate finance in Scotland at RBS, said:“We have spent the past six months stripping out anything in the process that is not vital to delivering an efficient service for customers while providing adequate protections for both parties.”