Corporate Lending
We’re here to help you find the right financing solutions to fit your business.
How can our lending solutions support your business?
- Support, when you need it
If a committed facility is required, a Term Loan or Revolving Credit Facility could be for you with funds available when you need them, or if you have a cyclical business and want to stay on track with an agreed limit an overdraft could help
- Tailored solutions
Our lending experts are here to help you with lending solutions created with the needs of businesses in mind: whether you want funding for growth, acquisition finance, property finance or a financial buffer in case of unexpected events
- Growth
Some of our solutions are multipurpose. After all, every business is unique, and the way each business uses, for example, a Term Loan, will differ. While one business might use this facility to support corporate acquisition finance, another could use it as general purpose finance
- Property Finance
Access financing and on-the-ground expertise to support your property development or investment activities across the UK. From bilateral loans to syndicated and capital market deals, we can help you make the most of property financing.
Key product features and benefits
Term Loan
Fuel growth, have greater confidence buying assets, or boost your day-to-day business with a term loan. It could be used for a wide range of requirements, from buying machinery to purchasing property, or funding medium to long-term business growth. Use it for business expansion, including management buy outs and capital injection.
Revolving Credit Facility (RCF)
If you work in a cyclical business, a Revolving Credit Facility (RCF) could give you flexibility and reduce your bureaucracy – there’s no need to keep reapplying for finance. Have the convenience to draw down and repay, repeating this within agreed limits and the agreed period for the facility. This flexibility can be particularly beneficial for those who know their revenue will fluctuate.
Overdraft
Reduce uncertainty and give your business more room to operate by choosing an overdraft. Use it in a way that suits you, from dealing with unexpected costs to day-to-day expenses. Our overdrafts are easy to set up and can be offered as part of most business current accounts. A great way to manage your short-term working capital funding requirements.
Debt Capital Markets
Our DCM and Leveraged Finance teams can support you in developing and implementing investment grade or high yield, debt financing solutions tailored to your needs. Our capabilities span the spectrum of fixed income financing, including senior bonds in the major currency markets, liability management, hybrid capital, loans, private capital markets, strategic capital, structured lending and acquisition finance.
Wholesale Stock Finance
Stock financing has many benefits for vehicle dealerships and manufacturers. By linking your inventory management systems to an automated finance solution, you’ll benefit from daily drawdowns and settlements to fund stock. Enhanced reporting can also provide you with insight into inventory management performance.
Growth Guarantee Scheme (GGS)
The growth guarantee scheme is a government scheme to support access to finance for UK small businesses as they invest and grow. Our relationship teams can discuss with you whether the GGS is right for your business, and help you with your application if needed.
Your next steps
Get in touch
Whether you’re new to Barclays or an existing client, our Relationship Directors can help you find the right solution, whatever your business needs.
We support businesses with a minimum turnover of £6.5 million, simply request a call back from our industry experts to get things started.
Explore further solutions
Created to help you make the right decisions for your business, our latest banking and technology solutions are designed to support you at any stage.
We offer a wide range of products focused on helping you take advantage of opportunities for growth, and future-proofing your business.
Support in challenging times
If you think your business might be experiencing financial difficulty, its important to acknowledge this as soon as possible and act quickly.
Important Information
The products referred to in this webpage are subject to separate terms and conditions. Learn more by getting in contact with our Corporate Banking team.
Barclays Bank PLC adheres to The Standards of Lending Practice for Business Customers which are monitored and enforced by The Lending Standards Board^. The Statement of Lender & Borrower Responsibilities (SLBR)†, summarises our responsibilities as a lender.
Negative reference rates: If your facility is aligned to a floating reference rate (e.g. Bank of England Bank Rate) and that rate becomes less than zero then it will be deemed to be zero i.e. the total interest rate charged for that facility will never be less than the facility margin.
If you are a Small or Medium sized Enterprise (SME) considering applying for a secured facility with another lender and already have secured borrowing with us, please ensure you review our Deeds of Priority information.
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There are many sources of finance available for your business to choose from. So, if you decide to apply for a secured loan with another lender when you still have secured borrowing with us, we will try to support you. As a responsible lender, we need to make sure that any changes to your business borrowing are sensible and affordable.
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As a leading member of the Business Finance Taskforce, an initiative setup in 2010 between the UK’s six largest banks and the UK Government to promote better information on, and access to, sources of finance, Barclays is committed to having a transparent and open appeals process for customers whose lending application has been declined. Our process is reviewed and monitored by an external auditor to ensure that our Appeals Process is fair and effective.
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- For fixed rate loans, should you decide to repay early or cancel, breakage costs may be payable
- Additional fees and borrowing costs will be applicable
- Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your borrowing
- A GBP facility for this product does not require that you hold a Barclays Business Current Account.
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- Corporate Bank does not offer overdrafts of £25,000 or less. If you are seeking such as overdraft, please refer to the Business Bank webpage‡
- Your Overdraft limit will be agreed and confirmed in writing, together with interest and fee details, and any requirements such as security
- Interest rates are linked to the Bank of England Bank Rate or the relevant reference rate for currency overdrafts
- Unarranged Borrowing Rate (UBR) 15.00% (Implementation of latest rate change: 03.06.2019). If your account goes overdrawn without prior arrangement, or you go over your arranged overdraft limit, this is the standard rate of interest applied, unless we agree a different rate with you
- Fees may apply if you don’t use the Overdraft. If these are to apply, they will be agreed with you when the facility is arranged
- Any property used as security, which may include your home, may be repossessed if you are unable to fulfil the terms of a secured overdraft.
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- We commit to providing your Revolving Credit Facility for an agreed term and up to an agreed limit
- In the event of repayment of a drawn amount (tranche) under the RCF before the end of an agreed period for that tranche, prepayment fees or Floating Rate breakage costs are likely to apply
- A GBP facility for this product does not require that you hold a Barclays Business Current Account
- Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your borrowing.
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- We commit to providing your Wholesale Stock Finance for an agreed term and up to an agreed limit
- A GBP facility for this product does not require that you hold a Barclays Business Current Account.
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- A GBP facility for this product does not require that you hold a Barclays Business Current Account
- For more information please visit our Recovery Loan Scheme page.
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Debt Capital Markets sits within our Investment Bank and are subject to separate terms and conditions. Get in touch with our Corporate and Investment Banking team to learn more.