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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.
Looking for a startup loan or a small loan for business?
We could help you to expand, invest in equipment or borrow working capital with secured and unsecured business loans.
Our business loans could help you
It's simple – we'll give you flexible borrowing options for your business on amounts up to £100,000. If you need to borrow more than £100,000, you’ll need to apply for a secured business loan instead.
You'll need to make regular repayments, including interest, until your loan is repaid. This will be detailed in your repayment schedule.
While there’s an overall 12.9% representative APR for loans ranging between £1,000 and £25,000, the representative APR varies according to the amount you want to borrow:
Use our business loan calculator for an indication of what an unsecured loan of up to £25,000 could cost.
After that, you can apply in Online Banking or the Barclays app if you've already got a business account with us and a provisional lending limit. Once your application is approved, you’ll usually have your money within 48 hours of signing the paperwork.
If you already have a business account with us but can't see your provisional lending limit, get in touch with your usual business contact or call us2 on 0333 202 7431.
If you're new and don't yet have an account, call us on 0800 515 4623. We’ll explain which documents and financial statements we’ll need to see when you apply.
If you’re ready to apply, we’ll need some information about you and your business, including:
o Your trading accounts
o Your current business plan
o Your profits and losses
o How you’re planning to use the loan.
Unsecured business loans – borrow up to £100,0004
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 paperwork5, giving you the certainty and confidence to take your business to the next level.
Need more than £100,000? Explore secured business loans
For business demands over your provisional lending limit, call us to apply for a secured business loan.
Set repayment terms that work for you, up to 25 years
Choose from fixed or variable rates
Interest-only repayments available if you need them (subject to status and application)
If you have a business account with us, give us a call on your usual number or 0333 202 74312.
If you don’t already bank with us, you can request a callback. We’ll then contact you to explain which documents and financial statements we’ll need to see when you apply.
Our business loan calculator gives you an indication of what an unsecured loan of up to £25,000 could cost to repay. 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.
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 years6.
You could have a six-month repayment holiday7 before you start repaying your loan, with the option of a further repayment holiday for up to 12 months during the loan term8.
APR Representative
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Total amount payable
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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.
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 Online Banking to see any business lending limits you have.
If you don’t bank with us, or can’t access Online Banking, you can check if you’re able to get a loan 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.
We want to make sure you get the best borrowing solution for your needs.
Other borrowing solutions might be available that could be better suited to your circumstances. If you'd like to find out about possible alternatives, please call9 your Relationship Team or go to the homepage of your Barclays app10 and select ‘Call Us’ under the ‘Contact us’ section.
Want to purchase an asset to help support your business’ journey towards net zero? We can let you know what borrowing options could suit your needs – as alternative products might be available, depending on your circumstances.
To discuss your options, please call2 your Relationship Team or select ‘Call Us’ under the ‘Contact us’ section on the homepage of your app10.
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 74312. Lines are open Monday to Friday, 8.30am to 6pm.
Why not have us call you back?
If you want to apply or find out more about this finance option, you can request a callback from one of our Business Relationship Managers.
Green Barclayloan for Business
Our loan11 could help you fund eligible green assets for your business, letting you explore 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 assets12.
Subject to eligibility, other product features apply as standard.
You can only take out this loan for your business if the money is used towards eligible green assets, like:
Find additional 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.
Contact us to discuss your needs, and we’ll progress your application if you’re eligible14.
You may need to provide evidence of the eligible green assets you’re planning to buy or re-finance and any costs that will be associated with buying the assets.
Subject to eligibility, other product features apply as standard
Access a discounted interest rate when you finance or refinance eligible green assets. Eligible products include:
Subject to eligibility, other product features apply as standard.
Our specialist team could help you get started on your journey to becoming a more sustainable business.
Our specialist team will work with you to assess your current level of net zero progress and suggest next steps and resources tailored to your needs.
We’ve partnered with industry experts Propel15 to help your business get access to quick and cost-effective finance for eligible green assets.
Borrow from £5,000 and you could get a competitive fixed rate for:
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.
Optimise your cashflow with bespoke asset finance – provided by our partner Propel19.
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
Choose from our range of business mortgages, and get the right kind of support with our specialist industry knowledge20.
Borrow from £25,001
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 issue18.
Borrow up to £50,000
One monthly fee for the overdraft
Interest is charged daily on the amount borrowed
Compare our business borrowing with borrowing offered by other lenders21. 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.