Most businesses have good times and not so good times. It’s not always easy; we recognise that and we’re here to help.

If you are facing difficulty, reach out to us and let us know. Maybe you’re about to miss a payment on a loan, or go over a limit. The earlier you get in touch, the easier it will be to work out what the best solution might be.

In our experience helping businesses in financial difficulty, we find that the earlier the conversation is started, the easier it is to find a solution. We have people ready to help you.  The best thing to do is to get in touch with your relationship manager. If you don’t have a relationship manager call us on 0345 6005 204

We can start with a simple conversation to try to understand your position and then work together to put a plan in place. Your accountant and/or an independent advisor may be able to offer guidance as well.

Every business is different, and while these aren’t the names of real customers, some stories might ring a bell. If they do, then you should act as soon as you can. The best way of avoiding a big problem is to tackle it while it is still manageable.

Hot and cold business fortunes

Hot and cold business fortunes

Michael’s heating supply business had been going well, but recently orders weren’t coming in as quickly as before. Michael phoned us, sent us his up to date trading figures and we were able to have a good discussion on what was happening in his business. We reviewed his income and costs and together we made a plan for the way forward.


Projected Cashflow Slowdown

Natasha is the financial controller of a hotel which has been successfully trading for 20 years. Some hotel maintenance work was due to be done in the coming months which would mean a number of rooms would be temporarily out of use. Natasha was worried that the impact of this could cause cash to become tight and bills would become a struggle. She contacted an independent advisor and shared cash flow projections with us. After we assessed these we decided that it would be possible for us to put support in place while the maintenance work was completed. For further guidance see our small business cashflow planner.

Missed Payments

Missed Payments

Sam knew her seaside cafe business was in trouble. She was struggling to pay suppliers and bank payments were overdue. She thought she would be able to trade out of trouble, but the seasonal tourist uplift never came. Sam spoke with her accountant and they realised they should involve us. Sam was relieved after the first conversation as she felt we understood her and her business needs. Once we had the right financial information, we were able reschedule the missed payments into a manageable repayment plan.


Here's how it works

Get in touch

Either by contacting your relationship manager or phoning us on 0345 6005 204. We will let you know what to do next.

Getting the financial information in place

We’ll need to form a clear picture of your finances so that we can assess your business. We have outlined what financial information will be required and why it is needed here.


We’ll then work out how we can address your financial situation. We will do the assessment as quickly as possible and keep you updated as we go.


Once the assessment is done, we may be able to offer you suitable changes to the original agreements we have with you. We may also offer new arrangements for your business.

Important Information

Availability of credit depends upon our assessment of your financial position. We encourage you to take independent legal advice to ensure that you understand your commitment and the possible consequences of your decision. Please note that security and insurance may be required.


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