There is no single "help" button — the right tool depends on how deep and how lasting your company's difficulty is. This is the full menu we can draw on.
- Payment extension. A short shift of one due date, for a temporary, days-long gap. Request it with the Payment Extension form.
- Partial payment. Pay what you can now and arrange the balance, rather than missing the payment entirely.
- Payment arrangement. Spread the arrears over a period the company can manage, then return to the normal schedule. Use the Payment Arrangement form.
- Short freeze. A brief, agreed pause while you recover from a one-off shock or chase a large invoice.
- Reduced payment plan. Lower regular payments over a longer period where income has dropped but not stopped.
- Hardship variation. A change to the loan terms themselves for a serious or lasting change in circumstances. Apply with the Hardship Variation form.
You do not have to pick the right one yourself. Tell us what has happened and we will suggest the tool that matches. Interest keeps accruing under most of these at 0.25% per day, and the 100% total-cost cap continues to apply throughout.
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: What forbearance options are available for business borrowers?, How do I tell Credicorp my business is struggling?, Can I get a payment extension?.