Barclays Business Loan
Barclays offers business loans ranging from £1,000 to £100,000 with APRs between 5.0% and 15.0%, and terms of 12 to 120 months.
Last checked on September 4, 2026. We may earn a commission when you click through.
Barclays Business Loan
Updated 1 month agoAPR Range
5.0–15.0%
Amount
£1k–£100k
Term
12–120 months
Type
business
You'll be redirected to barclays.co.uk
Our Verdict
Barclays Business Loan is appealing for established businesses needing flexible funding with no early repayment fees. However, the APR can be steep depending on creditworthiness, which may deter newer or riskier applicants.
Best For
Established UK businesses with a solid credit history seeking flexible funding options.
Watch Out
Applicants may face higher APRs if their credit profile is not strong, impacting overall loan affordability.
Pros
- Wide loan range from £1,000 to £100,000
- No early repayment fees
- Secured and unsecured options available
- Quick approval process
- Preferred banking relationship with Barclays
Cons
- Higher APRs for lower credit scores
- Barclays business account preferred
- Limited flexibility for non-Barclays customers
- Potential delays in customer service response
- Terms may not suit all business types
Full Review
With an APR range of 5.0% to 15.0%, Barclays Business Loan suits various business needs but may not be ideal for all applicants. The ability to choose between secured and unsecured options adds flexibility, catering to diverse risk profiles. Approval takes just a few days, making it for businesses needing quick access to funds.
Yet, it's that having a Barclays business account is preferred, which could complicate things for those banking elsewhere. Customer service feedback indicates that while many find the process some report inconsistencies in communication. If you’re looking for tailored support, this might be a consideration when choosing Barclays.
Lastly, the absence of early repayment fees is a rare in the market. This allows businesses to pay off loans earlier without incurring additional costs, which is for those who can manage their cash flow effectively.
Who Is This For?
UK-based businesses with good credit looking for flexible, quick funding solutions.
What Borrowers Say
Borrowers generally appreciate the straightforward application process but express concerns over high APRs for some credit profiles.
Summary
Barclays offers business loans ranging from £1,000 to £100,000 with terms of 12 to 120 months and an APR between 5.0% and 15.0%.
About This Loan
Requirements
- UK-based business
- Barclays business account preferred
- No early repayment fees
- Secured and unsecured options
Similar options
Start Up Loans Business Funding
BusinessAPR
7.5%
Amount
£500–£25k
Term
12–60mo
Best for: Entrepreneurs seeking initial capital for their start-up with a solid business plan.
Capify Business Loan
BusinessAPR
—
Amount
£10k–£3M
Term
—
Best for: Established UK businesses with a stable revenue stream looking for substantial funding quickly.
Metro Bank Business Loan
BusinessAPR
6.0–15.0%
Amount
£1k–£250k
Term
12–60mo
Best for: Small business owners with a solid banking relationship who need quick funding for operational expenses.
Fleximize Business Loan
BusinessAPR
10.8–34.8%
Amount
£10k–£1M
Term
12–60mo
Best for: UK-based businesses with at least six months of trading looking for unsecured or secured loan options.
Asda Money Personal Loans
PersonalAPR
6.9–19.9%
Amount
£500–£25k
Term
12–60mo
Best for: These loans are best for existing Asda Money customers looking for preferential rates and those with a good credit score seeking amounts between £1,000 and £25,000.
APR
—
Amount
£10k–£5M
Term
—
Best for: UK-based B2B businesses with a minimum annual turnover needing cash against outstanding invoices.