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Business money management

Help keep your business finances healthy

Develop your business money-management skills with our guides on managing cashflow and adapting to coronavirus.

Do you have a Bounce Back Loan or Coronavirus Business Interruption Loan?

On 24 September the Chancellor announced various options to give businesses more time and greater flexibility to repay their Bounce Back Loan (BBL).

We’re awaiting further information from the British Business Bank on this, and on the possibility of extending the term of Coronavirus Business Interruption Loans (CBIL).

We’ll update this page as soon as we know more. In the meantime, have a look at the repayment calculator to see what your BBL repayments could be.

Help and support

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Conquering cashflow

From making a plan to useful tips and resources, we’ll help you to stay on top of your cashflow. 

If you’re ready to create a cashflow forecast, you can use this template from the Association of Chartered Certified Accountants (ACCA), a global organisation that offers professional accounting qualifications. 

When you click the link, you’ll be taken to their website.


Cashflow forecasting

Hear about the importance of cashflow forecasting from Claire Bennison, Head of the Association of Chartered Certified Accountants UK (ACCA). In August, she joined our video conference panel to discuss the opportunities and challenges that come from balancing the books.

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Adapting to coronavirus

Read our tips and hear how other businesses have adapted to the challenges of coronavirus.

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Business debt management

How to spot the warning signs and act on them

Many financial difficulties can be resolved relatively easily, but, left unchecked, some can have more serious consequences.

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Coronavirus government grants

Financial help for your business 

A guide to the grants available for small businesses and businesses in the retail, hospitality and leisure sectors.

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Build your business credit score

Learn what your credit score means for your business, and how important it can be.

More money management help

  • Tools to help

    Bounce Back Loan repayment calculator

    See how much your first payment will be and the total amount you’ll repay over the term. Please note that the amounts we show you here are indicative and could vary from your actual repayment amount.

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    Business banking from home

    Find out how you can manage your business finances, keep an eye on cashflow and do your everyday banking from home using Online Banking and the Barclays app. They’re safe, secure and simple to use.

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    Nextdoor offer

    Open for business? Get the word out for free

    • We’ve teamed up with Nextdoor, the neighbourhood hub to help you reach thousands of potential customers
    • Make use of marketing tools worth hundreds of pounds
    • Don’t miss out, offer ends on 31 January 2021
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    Barclays Back to Business Programme

    Build for tomorrow with the help of our free online toolkit

    Developed with Cambridge Judge Business School, our online programme is free for SMEs.

    SmartBusiness Dashboard

    Your business – at a glance

    See your most important business and banking information, all in one place – free with the all-new SmartBusiness Dashboard.

  • Sources of funding
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    Borrowing for all businesses

    You know your business, we know how to help

    It’s the hardest job you’ve ever done. Whether you’re just getting off the ground or planning to expand, we know how to help.

    Business overdrafts

    Business overdrafts

    A flexible overdraft that moves with your business demands

    An overdraft could help you deal with seasonal trends and short-term cashflow challenges. Borrow up to £50,000 unsecured – the money could be available to you in days.

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    Invoice finance

    Unlock cash tied up in your invoices

    A quick and easy way to improve cashflow so you can seize business opportunities – provided by our partner MarketFinance.

    Business credit and charge cards

    Business credit and charge cards

    Manage cashflow with a credit or charge card

    Choose a Barclaycard to suit your business – credit cards for flexible borrowing or charge cards if you pay the balance off each month1.

    • A choice of credit cards or charge cards2
    • Introductory offers available
    • Extras including enhanced travel insurance and foreign exchange savings