Business loans

Boost your business with secured or unsecured options

Unsecured loans available up to £25,000, or secured over this amount, if you want to expand, invest in equipment or borrow working capital.

9.9% representative APR on loans of £1,000 - £25,000

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 for 12 months (subject to status and application)

Already bank with us? 0333 202 74461

New to us? 0800 515 4622

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).

mths 0
Monthly repayment

The same every month

Total amount payable

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
  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 of up to 12 months.

    How to apply

    If you're ready to apply for one of our loans, then we'll need some information about you and your business, such as:

    1. Your trading accounts, business plan and details on profits and losses

    2. Information on what you're planning to use the loan for

    We'll try to give you a full decision within 48 hours – but sometimes we may need a little more information from you. If we do, we'll get in touch. 

    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.

    Don’t bank with us or have access to Online Banking?

    Open a Business current account or calls us on 0800 515 4622

    Have a current account with us?

    Log in to see if you have a provisional loan limit without affecting your credit rating6.

    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

    Borrowing for all businesses

    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 4622. Lines are open Monday to Friday, 8am to 7pm.