Behind every struggling company is a person under strain. Our approach to genuine hardship is built around treating that person fairly while giving the business room to recover.
Fair and without pressure
We do not pressure a director into a payment the company cannot afford, and there is no personal guarantee to hold over anyone. Our focus is the company's genuine ability to recover, not personal leverage.
Clear and confidential
We explain options in plain terms, confirm arrangements in writing, and treat what you tell us sensitively and confidentially. You should never be left guessing about where you stand.
Flexible as things change
Hardship is rarely static. We review arrangements and adjust them as circumstances shift, for better or worse, provided you keep the conversation open.
If hardship is personal as well as financial, tell us with the Additional Support form.
We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.
See also: How we support vulnerable customers and directors, What is a hardship variation?, Asking for extra support as a director under pressure.