Forbearance is not the goal in itself — it is the bridge to a good outcome. It helps to know what that outcome looks like, so you can aim for it.
The loan back on a sustainable footing
Success is the company meeting its payments comfortably again, whether by returning to the original schedule or completing a varied one. The debt is cleared within the 100% cap, and no more than double what was borrowed is ever repaid.
A clean, honest record
A difficulty handled well — flagged early, managed with an arrangement, kept to — leaves the company in a far stronger position than one that drifted into unmanaged arrears. That record supports future borrowing.
A more resilient business
The best outcomes leave a company not just recovered but better run: a cash buffer, tighter credit control, a habit of forecasting. The difficulty becomes the reason the business is stronger.
Getting there starts with one early conversation — talk to us before a payment is at risk.
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: Getting your company back on track after arrears, How arrears affect future borrowing with us, Rebuilding a cash buffer after a difficult year.