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Our lending charter

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What we believe in

We want your business to do well – after all, our success is built on your success.

That's why we live by these six mantras:

We really want to lend

Sometimes it’s prudent to cut back on spending, especially when we’re all facing a challenging economic climate, but at Barclays we recognise that occasionally you have to spend money to make money.

That’s because we believe the best way for us all to fight our way out of recession and get things moving again is to invest in businesses like yours, so you can grow and boost the country’s economy. And we have an impressive track record too – with 4 out of 5 applications for business lending being approved 3.

But before we grant any loan, we need to be sure we’re agreeing the right type of lending for your business.


Tell me more

Read more about our commitment to supporting businesses and how we are able to do it.

We know what other funding is available

Sometimes you need something other than a standard bank loan to fit with your business plan, depending on what kind of investment you need, how your cash flow is structured and whether you can adequately back up your borrowing.

If a standard bank loan isn’t the right thing for your business, our Business Managers are fully trained to tell you about our range of financing options, including any relevant government funding schemes.

One such option is Enterprise Finance Guarantee, which acts as a guarantee for bank loans to small and medium-sized businesses who lack the necessary security for the finance they need. In fact, over a sixth of all loan offers made through the EFG have been made through Barclays.

Loans made through the EFG are available between £1,000 and £1 million, with a choice of fixed- or variable-rate interest. You choose your loan term – anything from 3 months to 10 years – and you can even take repayment holidays, giving you complete flexibility should your business needs change.

We can also advise on other funding options, such as a loan from a Community Development Finance Institution (CDFI) or an angel investor group, which can lend you the capital to help your business when it needs it most.

Tell me more

Learn more about the Enterprise Finance Guarantee scheme and other possible sources of outside investment and whether they might be right for you.

We tailor our interest rates to your needs

Getting the right interest rate on your loan can make a real difference when it comes to making your repayments and ultimately clearing your debt.

At Barclays, we offer a range of interest types which all come with their own various benefits. You could take advantage of the UK’s current low interest rate with one of our base-linked loans, which tracks independent Bank of England decisions.

Or if you prefer the security of knowing exactly what your repayments will be so you can manage your cash flow more precisely, you could opt for one of our fixed-rate loans. With a set rate of interest, you’ll be able to budget accordingly without the risk of a sudden sharp rise in repayments should the interest rate go up.

Tell me more

Find out more about our different interest types and Commercial mortgages , plus how we set our interest rates and which rate might be best for you.

We have turned around struggling businesses

Even the best-run business can face unexpected difficulties, such as the loss of a major customer or a supplier’s business failing.

But as long as there’s a sound business proposition at the heart of the company and a strong management team we’re confident we can help your business on the road back to success.

We understand that every business – and every problem – is unique. That’s where Barclays Business Support unit comes in. As the bank’s ‘intensive care unit’, our specialised team can help with providing additional finance, if appropriate, during the turnaround process. But more importantly, they bring a fresh perspective and a wealth of experience to help you work out how to get help your business in recovery.

The skill of Barclays Business Support managers lies in working with your existing Business Manager and, most importantly, with you, to identify and address the most significant issues facing your business. So successful is the unit that more than 80% of the customers they have worked with have successfully turned things around.

What next?

If your business is facing difficulties and you could use the specialist skills of Barclays Business Support unit, speak to your Barclays Business Manager.

We're always here for advice

We’re not just here to lend you finance when you need it. There’s a huge range of services and tools available on barclays.co.uk to help you run your business through the good times and the bad, from software solutions and seminars to expert consultations and training.

Plus last year, our 'Let's Talk' programme of free seminars helped more than 7,000 pre-start-up and 5,500 existing business with face-to-face training.

So whatever you need to get your business growing, we’re here to support you – with money, with service and with skills.

Existing Barclays customer?

View our range of loans online.

Apply for a loan with one of our consultants.

New to Barclays?

Explore our business account benefits.

Apply online for a business current account.

Guidelines to the Lending Code

Important Information
1. Lines are open Monday to Friday, 8am–7pm. To maintain a quality service, we may monitor and record phone calls. Call charges
2. Lines open Monday to Friday, 8am–8pm. To maintain a quality service, we may monitor and record phone calls. Call charges
3. Average acceptance rates between April and September 2010, for all credit applications for businesses up to £5 million turnover. Excludes online applications.