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Loans

Business loans

Help boost your business with secured or unsecured loans

If it’s right for your business, you could borrow up to £100,000 unsecured – ideal if you’re looking to expand, invest in your business, or borrow working capital. Secured loans are also available over £25,000.

9.9% APR representative on loans of £1,000 - £25,000.
APR for loans above £25,000 provided on application

Seize the day – borrow up to £100,000 unsecured*

When you bank with us and as we get to know your business, we’ll give you a provisional borrowing limit, which we’ll update daily.

If a business opportunity presents itself but you need a substantial cash injection to take it up, we’re ready to help you explore if it’s right for your business.

Apply for an unsecured business loan of up to £100,000 and, if approved, you’ll usually have the money within 48 hours of signing the paperwork1, giving you the certainty and confidence you need to take your business to the next level.

If you need less than £25,000, and already have a provisional borrowing limit, once your application is accepted, the money is usually in your account in 24 hours.

 

*Not available for all industries and subject to normal lending assessment, status and application. Terms and conditions apply.

Flexible borrowing for your business

Whether your business is expanding or getting off the ground, we can help you plan for future success.

Business loans up to £25,000

Apply for this unsecured 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 6-month repayment holiday at the start of your loan – interest will continue to accrue, which will be included in your repayments

Business loans over £25,000

If you want to borrow more than your personal limit, or over £25,000, please call us.

  • Set your repayment term, up to 20 years
  • Fixed or variable rates to choose from
  • Interest-only repayments available (subject to status and application)

Already bank with us? 0333 202 74462

New to us? 0800 515 462

Business loans up to £25,000

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

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 1 to 10 years3.

Repayment holiday

Option to have a 6-month repayment holiday at the beginning of your loan4 (subject to application).

Amount
Amount
Term
Term
Months
mths 0
Monthly repayment

The same every month

Total amount payable

Loan required

APR

Based on the details you entered

Representative example

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

Representative APR applies to loans of

 

 

  • APR means annual percentage rate of charge. It is an illustrative rate that lets you to 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.

    Business loans over £25,000

    Apply for this secured loan if you need a larger amount of finance and flexible repayment options.  Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your loan.

    Choose fixed or variable rate

    Fixed interest rates available from 1to 10 years5.

    Borrow over a longer time

    Choose a repayment period from 1 to 20 years.

    Capital repayment holiday

    Option to take an interest-only period (subject to status and application).


    How to apply?

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

    1. Your trading accounts, business plan and details of profits and loss
    2. 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.

    Want to check your eligibility 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 see any business lending limits you have.

    If you don’t bank with us, or can’t access Online Banking, please take a look below.

    Looking for financial flex? 

    Log in to Online Banking to see your provisional loan limit.

    Don’t have access to Online Banking?

    Give us a call on your usual number or dial 0345 605 23456

    Don’t have an account with us?

    Click through to see if we can lend to your business or call us on 0800 515 462.

    Other ways to borrow

    Commercial mortgages

    Commercial mortgages

    Commercial mortgages built around you

    Whether you need to buy a new building or release equity from your existing one, a commercial mortgage could be the answer7.

    Asset finance

    Asset finance

    Finance to help your business grow

    We can help you fund the equipment your business needs so you don’t have to dip into your working capital8.

    Business borrowing

    Seize the day – borrow up to £100,000 unsecured

    Whether your business is expanding or still yet to get off the ground, we can help you plan for future success.

    Insights to help you make better business decisions

    The smart way to run your business

    See your revenue and spending at a glance and compare your performance to businesses similar to yours – all in Online Banking.

    Barclays Local Insights

    Barclays Local Insights

    See insights about your local community, a region – or all of the UK – that could help your business grow.

    Need some help?

    Talk to us online

    Start a web chat if you’d like to ask us a question online.

    Call us

    Call us on 0800 515 462 6. Lines are open Monday to Friday, 8am to 7pm and Saturday 9am to 1pm.