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Business loans

Looking for a business loan?

Our dedicated team of experts is ready to help you with both secured and unsecured business loans for expanding, investing in new equipment or securing working capital. We offer small business loans from £1,000 up to loans of £25 million, all tailored to meet your needs.

Our business loans

Start your application anytime, anywhere

If you already bank with us, you can start an application online at any time and place that’s convenient for you in three steps. Log in to our app or Online Banking and go to ‘Products and Services’1. Fill in your details, we’ll show you some finance options and you can choose your preferred product to apply for.

  

Looking for a quote?

You can check your eligibility by giving us a few details and we’ll be able to let you know straight away how much you could borrow. If you’re looking for a small business loan, use our loan calculator to get an idea of what it could cost to repay an unsecured loan of up to £25,000.

Bespoke borrowing

We understand no two businesses are the same. Whether your goal is to expand, buy equipment or improve cashflow, we can tailor our borrowing solutions to suit your business needs.  

What is a business loan?

A business loan is money that a business borrows from financial institutions like banks and credit unions or non-financial institutions like government bodies.  

Our business loans are a straightforward way to finance your business and you can use them for a variety of reasons. This includes small loans for everyday businesses or startups, to large loans for expanding bigger operations.

We'll give you flexible borrowing options for your business, whether you need to buy some new equipment, want to improve your cashflow or are looking to build your business. You can borrow with terms from one to 25 years and our loans can be tailored to meet the unique challenges of your business.

You'll need to make regular repayments, including interest, until your loan is repaid. This will be detailed in your repayment schedule.    

 

Need to borrow up to £25,000? 

Apply for an unsecured business loan to finance your business.

  • Borrow between £1,000 and £25,000
  • Terms between one and 10 years
  • Loans of up to £25,000 are fixed rate
  • Fixed rates so you always know your monthly repayment will be the same
  • Apply for a repayment holiday from the start of your loan. Interest will continue to accrue on the loan and is calculated within future repayments
  • No arrangement fees
  • No fees for repaying your loan early.      

Use our business loan calculator to get an indication of what an unsecured loan of up to £25,000 could cost. 

 

 

Need to borrow from £25,001?

Choose from our range of terms to suit your business needs. 

  • Set repayment terms that work for you, up to 25 years
  • Choose from fixed or variable interest rates
  • Flexible contractual terms available to meet the needs of your business
  • Interest-only repayments available if you need them at the start of your loan (subject to status and application)
  • You can also apply for an interest-only period during your loan term.     

You'll need to make regular repayments, including interest, until your loan is repaid. This will be detailed in your repayment schedule.

How to apply for a business loan

If you’re ready, you can start an application in Online Banking or our app if you've already got a business account with us. 

If you already bank with us, you might be eligible to receive an immediate decision on your application. The money could be in your account in as little as 48 hours.  

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

Ready to apply?

If you already bank with us

You can start an application online at any time and place that’s convenient for you. If you don’t have the app or Online Banking or would prefer to speak to us, call us on 0333 202 7431 for help and support. We’re here from 8:30am to 6pm, Monday to Friday except bank holidays. Call charges

If you don’t have an account with us

If you're new and don't yet have an account, call us on 0800 515 462. We’re here from 8am to 6pm, Monday to Friday except bank holidays. Call charges Or you can ask us to call you back.

Business loan calculator

Get an indication of what it could cost to repay an unsecured loan of up to £25,000. 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 our business loan interest rates. We'll give you a fixed rate for the term of the loan.

Flexible terms available

Whether you need a startup business loan or are a business looking to grow, spread repayments of your loan from one to ten years2.  

Repayment holiday

Apply for a repayment holiday3 from the start of your loan. Interest will continue to build up on the loan and is added to future repayments.  

Amount
Amount
£
Term in Months
Term
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’s an example rate that lets you compare it against other products. It reflects the annual cost of credit, including 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 at least 51% of people to get when entering into a loan agreement in response to an advert. It’s based on our reasonable expectations of what you’re likely to receive, considering the APRs of past agreements.

Our business loans 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.

Check your business loan eligibility

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

In many cases, we can let you know straight away 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 apply online at any time and place that’s convenient for you. Log in to our app or Online Banking and go to ‘Products and Services’.

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

 

Green Barclayloan for Business

  • Green Barclayloan for Business

    Our loan4 could help you fund eligible green assets for your business, letting you look into ways to transition your business towards net zero.

    Investing in green assets could help you prepare your business for a lower-carbon future. Depending on which asset you choose, it could also help support energy efficiency, reduce emissions, make cost savings or generate additional income.

    Borrow from £25,001 and get a discounted interest rate on eligible green assets.

    Subject to status and eligibility, other product features apply as standard. 

  • What you could buy or refinance

    You can only take out this loan for your business if the money is used towards eligible green assets, like:

    • Solar panels
    • Battery storage5
    • Electric vehicles
    • Heat pumps
    • Building automation and insulation
    • Agricultural technologies
    • Energy efficient buildings.

    Find more information and the full list of eligible green assets on our Eligible Green Asset Guide [PDF, 6.8MB] 

    Subject to eligibility, other product features apply as standard. 

  • To apply for a Green Barclayloan for Business

    Contact us to discuss your needs.

    You may need to provide evidence of the eligible green assets you’re planning to buy or refinance and any costs associated with buying them. 

    Subject to eligibility, other product features apply as standard.

Supporting your sustainability journey

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Green Loans for Business

Get a discounted interest rate when you finance or refinance eligible green assets with:

  • Green Barclayloan for Business
  • Green commercial mortgage
  • Green buy-to-let mortgage
  • SIPP/SSAS green property loan
  • Green agricultural mortgage.

Subject to eligibility, other product features apply as standard. 

A man and two women talking in a greenhouse

Planning your sustainability journey

Our specialist team could help you get started to become a more sustainable business.

A woman using her laptop in a garden room

Speak to a net zero specialist

We’ll work with you to assess your net zero progress and suggest next steps and resources tailored to your needs.

A person charging their electric car

Green asset finance

We’ve teamed up with industry experts Propel6 to help your business get access to quick and cost-effective finance for eligible green assets.

Borrow from £5,000 on asset finance for: 

  • Electric vehicles (EV's)
  • Solar photovoltaic (PV) panels
  • Battery storage units5
  • LED lighting
  • Heat pumps (air, water and ground)
  • Electric vehicle charging points.

 

Frequently asked questions

You may also be interested in

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All business borrowing

  • We can help you get started or expand your business
  • Explore all our business options
  • We might be able to offer you higher loan10 and overdraft11 amounts. Call us on 0333 202 7431. We’re here from 8:30am to 6pm, Monday to Friday except bank holidays. Call charges
Warehouse worker driving forklift looking at a tablet with colleague

Asset finance

 Improve your cashflow with bespoke asset finance from  our partner Propel6.

  • 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.
Chef in kitchen writing notes

Business mortgages

Choose from our range of business mortgages, and get the right kind of support with our specialist industry knowledge12.

  • Borrow from £25,001
  • Buy new premises or release equity from your current buildings
  • Fixed and variable rates available. 
Woman sat at desk using calculator

Overdrafts for everyday cashflow

An arranged business overdraft can help with short-term cashflow issues.8

  • Available up to £50,000
  • One monthly fee for the overdraft

We charge interest on the borrowed amount daily.

Other ways to fund your business

Compare our business borrowing with borrowing offered by other lenders13. 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.

Swoop

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.