Difficult periods happen — a health crisis, bereavement, a business shock, or a personal situation that makes it hard to manage normal communications. We take this seriously and will adapt how we work with you wherever we can.
Breathing space on contact
If you are overwhelmed and need us to pause non-essential contact temporarily — for example, during a medical episode or while dealing with a bereavement — let us know and we will honour that. We will identify any time-sensitive obligations and find a way to handle them with minimum friction on your side.
Involving a trusted person
You can authorise a colleague, accountant, solicitor, or family member to communicate with us on your company's behalf during a difficult period. We will need brief written confirmation from you (an email is fine), and we will then deal with that person for as long as you need.
Talking early about financial pressure
If your business is facing cashflow difficulties that may affect repayments, the earlier you speak to us the more options tend to be available. We would far rather have an honest early conversation than wait until a payment is missed. Contact us and we will talk through your situation without judgement.
For immediate mental-health support unrelated to your lending, the Samaritans are available 24/7 on 116 123, and Business Debtline (0800 197 6026) offers free confidential advice to businesses in financial difficulty.
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: Setting your communication preferences, Authorising someone to speak on your company's behalf.