Business loans

Looking for a startup loan or a small loan for business?

We could help you to expand, invest in equipment or borrow working capital with secured and unsecured business loans. 

Our business loans could help you

Grow your business

Improve your cashflow

Fund equipment, tools and important purchases

Take control in uncertain times

Types of business loan

Unsecured business loans – borrow up to £100,0004

 Apply for an unsecured business loan if you need a quick and straightforward way to finance your business.

Choose your term

Fixed interest rates, so you’ll always know what you’ll be paying

Take a six-month repayment holiday at the start of your loan. Interest will continue to accrue and will be included in your repayments

If your loan is approved, you’ll usually have the money within 48 hours of signing the paperwork5, giving you the certainty and confidence to take your business to the next level. 


Need more than £100,000? Explore secured business loans

For business demands over your provisional lending limit, call us to apply for a secured business loan.

Set repayment terms that work for you, up to 25 years

Choose from fixed or variable rates

Interest-only repayments available if you need them (subject to status and application)

If you have a business account with us, give us a call on your usual number or 0333 202 74312.

If you don’t already bank with us, you can request a callback. We’ll then contact you to explain which documents and financial statements we’ll need to see when you apply.

Business loan calculator

Our business loan calculator gives you an indication of what an unsecured loan of up to £25,000 could cost to repay. Whether you need the money for a small loan for a business or a startup loan, you can get an instant quote by selecting the amount you want to borrow and the term you’d like to repay your loan over.

Fixed interest rates

No need to worry about sudden changes in interest rates. We'll give you a fixed rate for the life of the loan.

Flexible terms available

Spread repayments of your loan from one to ten years6.

Repayment holiday

You could have a six-month repayment holiday7 before you start repaying your loan, with the option of a further repayment holiday for up to 12 months during the loan term8.

Term in Months

The same every month

Loan required

Based on the details you entered

Representative example

  APR Representative
based on a loan of  
repayable over   months
at an interest rate of
  per annum (fixed) .
Monthly repayment of  .
Total amount payable  .

  • APR means annual percentage rate of charge. It is an illustrative rate that lets you make comparisons against other products. It reflects the annual cost of credit, taking into account the rate of interest and any fees charged for taking out the loan.
  • Representative Annual Percentage Rate (representative APR) means the highest rate we expect that at least 51% of customers to get, when entering into a loan agreement in response to an advert. It is based on our reasonable expectations of what customers are likely to receive, taking into account the APRs of past agreements

This calculator is just an indication of what your loan or overdraft could cost. You can get a business lending quote now, with no impact on your credit score – simply select the ‘See if you’re eligible’ button.

Want to check if you’re able to get a loan before you apply?

In many cases, we can let you know upfront whether you’re likely to get the business lending you want – with no impact on your credit rating. If you already have a business account with us, you can log in to Online Banking to see any business lending limits you have. 

If you don’t bank with us, or can’t access Online Banking, you can check if you’re able to get a loan before you apply. 

Ready to apply or want to find out more?

If you’re ready to apply, we’ll just need some information about you and your business, such as

  1. Your trading accounts
  2. Your current business plan
  3. Details of profits and loss
  4. Details about how you’re planning to use the loan

We’ll try to give you a full decision within a few days but sometimes, we may need a little more information from you. If we do, we’ll get in touch.

Our loans aren’t available for all industries and are subject to normal lending assessment, status and application. Terms and conditions apply.

 We want to make sure you get the best borrowing solution for your needs.

Other borrowing solutions might be available that could be better suited to your circumstances. If you'd like to find out about possible alternatives, please call9 your Relationship Team or go to the homepage of your Barclays app10 and select ‘Call Us’ under the ‘Contact us’ section.

Want to purchase an asset to help support your business’ journey towards net zero? We can let you know what borrowing options could suit your needs – as alternative products might be available, depending on your circumstances.

To discuss your options, please call2 your Relationship Team or select ‘Call Us’ under the ‘Contact us’ section on the homepage of your app10

I have a Barclays business account

Log in to Online Banking to see your provisional lending limit. If you don’t have access to Online Banking, give us a call on your usual number or 0333 202 74312. Lines are open Monday to Friday, 8.30am to 6pm.

Why not have us call you back?

If you want to apply or find out more about this finance option, you can request a callback from one of our Business Relationship Managers.

Frequently asked questions

You may also be interested in

All business borrowing

We can help you get off the ground or expand

Explore all of our business options

Higher loan4 and overdraft13 amounts might be available if you call 0333 202 74312

Asset finance

Optimise your cashflow with bespoke asset finance – provided by our partner Propel14.

Spread the cost of your business assets over time

Budget with confidence

A source of funding to help you maintain liquidity without affecting your cashflow, working capital or other borrowing

Business mortgages

Choose from our range of business mortgages, and get the right kind of support with our specialist industry knowledge15.

Borrow from £25,001

Buy new premises or release equity from your current buildings

Fixed and variable rates available 

Overdrafts for everyday cashflow

An arranged business overdraft lets you borrow cash if you’re facing a short-term cashflow issue13.

Borrow up to £50,000

One monthly fee for the overdraft

Interest is charged daily on the amount borrowed

Other funding options

Compare our business borrowing with borrowing offered by other lenders16. You can find out more about the government’s Bank Referral Scheme [PDF, 1.4MB], including eligibility information.

Funding Options

Its award-winning technology searches the market to find the right funding for your business’ situation. It’s quick, easy to use, and their team’s on hand if you need help.

Alternative Business Funding

It offers a free and easy way to find different funding options, focusing on making things simple for business owners who don’t have much time on their hands.

Funding Xchange

It shows you competing offers from lenders, to make sure you see the best terms. You’ll see quotes from up to 45 lenders, in a simple format, so you can easily compare and choose the offer that’s best for your business.


It shows you the broad range of funding options that are available to businesses across the UK and Ireland. After assessing your needs, it matches you with the right solution from over 1000 providers.