We’re here to support you
We understand that businesses sometimes face financial problems that call for extra support. If you are worried about your business, we want to help.
Telling us or asking for help will not impact your credit score or how we treat you.
Find support and guidance if your business is experiencing financial difficulty.
65 % of businesses
reported in 2024 that they were experiencing challenges that would impact their turnover (Office for National Statistics).
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Need our support?
If your business is experiencing financial difficulty, you can email us to discuss your situation and find out more about the options available to you.
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Learn about the early warning signs
If you cannot pay your bills, are struggling to pay loan repayments or are not making as many sales, you may be in financial difficulty.
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Find the right support for you
Find charities and organisations that can offer support with the areas you need help with.
- Learn how to manage your cash flow and find short-term relief during times of cash pressure.
- Get in touch with your accountant to discuss your specific business needs.
- Contact the lender that you have loans with to see what support they can offer you.
- Check if you can apply for any grants or support schemes.
- Use our list of free independent support to find the right help for your business.
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Budget calculator
Our budget tool is a spreadsheet that helps you manage your cash flow. You can look at both your business finances and your personal expenditure to help you manage and control your cash.
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Pay As You Grow
If you have a Bounce Back Loan with us, Pay As You Grow options could give you more time and flexibility to pay back your loan. Review your options and make a decision based on your circumstances.
Get help with money worries from Citizens Advice
Our partnership with Citizens Advice means you can get free, quick and confidential advice about any money worries you are experiencing.
They can help with employment, benefits, debts, health and problems with a product or service you have bought.
Fill in their online form and someone will be in touch within 48 hours.
Areas you might need help with
Bankruptcy
Is going bankrupt for you?
(StepChange)
Bankruptcy and running a business
(StepChange)
The bankruptcy process
(PayPlan)
Cash flow
Improving your cash flow
(our Business Exchange)
Cost of living
Cost of living support for the self-employed
(MoneyHelper)
Cost of living library
(Business Debtline)
Growth hubs
(The LEP Network)
Debts
Dealing with your debts in four simple steps
(Business Debtline)
Debt management plans
(StepChange)
Debt arrangement scheme, self-employed debt help
(PayPlan)
Free debt management plans
(PayPlan)
The Insolvency Service
(GOV.UK)
Delays in receiving payments
Go Get Paid
(in our business tools)
Energy prices
Dealing with your small business energy bills
(Citizens Advice)
Grants or support schemes
Income
Increasing your income
(Business Debtline)
Insurance and risk management
AXA Business Insurance
(in our business tools)
Mental health and wellbeing
Debt and mental health resources
(StepChange)
Money problems and mental wellbeing
(MoneyHelper)
Speak to someone online or on the phone
Money worries: Citizens Advice
Business support: Get help and support for your business
(GOV.UK)
Small business support: Federation of Small Businesses
(for members)
Debt advice: PayPlan
Debt advice: StepChange
Financial Support for Business webinar
We collaborated with Greater Manchester Chamber of Commerce, The Federation of Small Businesses, Go Get Paid and Zellar to host a free financial support webinar for businesses in March 2023.