You know your business. We know how to help.
Looking to expand your business, invest in equipment or borrow for working capital? See how we can help with our wide range of secured and unsecured business loans.
Supporting your business following the pandemic
Get the financial support you need to help your business recover and grow following the pandemic, through this government-backed scheme.
You can apply up to 31 December 2021, subject to review.
What is a business loan?
A business loan is a straightforward way to finance your business. If a business opportunity presents itself, but you need substantial funding to take it up, we’re ready to help you explore if it’s right for your business.
Flexible borrowing for your business
Personalised quote - with no credit footprint
Borrow up to £100,000 online1
7.9% APR representative on loans of £1,000 - £25,000.
APR for loans above £25,000 provided on application.
When you bank with us and as we get to know your business, we’ll give you a provisional lending limit, which we’ll update daily.
We’ll tell you what your loan rate is before you apply – this won’t affect your credit score. Then you can apply in Online Banking or the Barclays app.
Unsecured business loans – borrow up to £100,0001
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 paperwork2, giving you the certainty and confidence to take your business to the next level.
Secured business loans – if you want to borrow more
If you want to borrow more than your provisional lending limit, you’ll need to apply for a secured business loan by calling us.
Set your repayment terms, up to 20 years
Fixed or variable rates to choose from
Interest-only repayments available (subject to status and application)
If you have a Barclays business account, give us a call on your usual number or 0333 202 74313.
If you’re new to Barclays call us on 0800 515 4624. We’ll need to see certain documents and financial statements when you apply.
Our business loan calculator gives you an indication of what an unsecured loan of up to £25,000 could cost. To get an instant quote, select the amount you wish to borrow and the term over which you’d like to repay your loan.
No need to worry about sudden changes in interest rates. We'll give you a fixed rate for the life of the loan.
Spread repayments of your loan from one to ten years5.
Option to have a six-month repayment holiday at the beginning of your loan6 (subject to application).
The same every month
Loan required
Based on the details you entered
APR Representative
based on a loan of
repayable over
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at an interest rate of
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Monthly repayment of
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Total amount payable
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Representative APR applies to loans of
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.
No, but you do need to have a business account with another bank to apply for a business loan with us.
Yes, we’ll only accept applications from the business owner or in line with the bank mandate for a loan.
Yes, we’re offering capital repayment holidays on loans over £25k7.
If you originally borrowed less than £25k from us, you could be eligible for a three-month repayment holiday for your business loan.8.
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 see any business lending limits you have.
If you don’t bank with us, or can’t access Online Banking, you can check your eligibility before you apply.
If you’re ready to apply, we’ll just need some information about you and your business, such as
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.
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 74313. Lines are open Monday to Friday, 8am to 8pm.
I’m new to Barclays
Call us on 0800 515 4624 to see how we can help. Lines are open Monday to Friday, 9am to 5pm. We’ll need to see certain identification documents and financial statements when you apply.
Choose from our range of business mortgages, and get the right kind of support with our specialist industry knowledge9.
Borrow from £25,000
Buy new premises or release equity from your current buildings
Fixed and variable rates available
An arranged business overdraft lets you borrow cash if you’re facing a short-term cashflow issue10.
Borrow up to £50,000
One monthly fee for the overdraft
Interest is charged daily on the amount borrowed
Optimise your cashflow with bespoke asset finance – provided by our partner Propel11.
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
See your most important business and banking information, all in one place – free with the all-new SmartBusiness Dashboard.
See insights about your local community, a region – or all of the UK – that could help your business grow.
Compare our business borrowing with borrowing offered by other lenders12. You can find out more about the government’s Bank Referral Scheme [PDF, 1.4MB], including eligibility information.
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.
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.
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.