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.
Business loans
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
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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:
- 18.9% APR representative on loans from £1,000 to £5,000
- 12.9% APR representative on loans from £5,001 to £10,000
- 9.9% APR representative on loans from £10,001 to £15,000
- 8.9% APR representative on loans from £15,001 to £20,000
- 8.9% APR representative on loans from £20,001 to £25,000.
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.
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If you’re ready to apply, we’ll need some information about you and your business, including:
o Your trading accounts
o Your profits and losses
o How you’re planning to use the loan.
Types of business 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.
Business loan calculator
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.
Flexible terms available
Spread repayments of your loan from one to ten years6.
Repayment holiday
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.
Amount
Term in 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 is an illustrative rate that lets you 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.
Want to check if you’re able to get a loan 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 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.
Ready to apply or want to find out more?
If you’re ready to apply, we’ll just need some information about you and your business, such as
- Your trading accounts
- Your current business plan
- Details of profits and loss
- Details about how you’re planning to use the loan
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
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Green Barclayloan for Business
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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.
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What you could purchase or re-finance
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You can only take out this loan for your business if the money is used towards eligible green assets, like:
- Solar panels
- Battery storage13
- Electric vehicles
- Heat pumps
- Building automation and insulation
- Agricultural technologies
- Energy efficient buildings.
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.
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Ready to apply?
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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
How we could support your sustainability journey
Planning your sustainability journey
Our specialist team could help you get started on your journey to becoming a more sustainable business.
Speak to a net zero specialist
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.
Green asset finance
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:
- Electric vehicles
- Solar photovoltaic (PV) panels
- Battery storage units13
- LED lighting
- Heat pumps (air, water and ground)
- Electric vehicle charging points.
Frequently asked questions
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No, but you do need to have a business account with another bank to apply for a business loan with us.
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Yes, we’ll only accept applications from the business owner or in line with the bank mandate for a loan.
You may also be interested in
Asset finance
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
Business mortgages
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
Overdrafts for everyday cashflow
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
Other funding options
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.
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.