Need help with your commercial loan?

Running a small or growing business can be challenging, and financial setbacks can happen to anyone. If your small- or medium-sized enterprise (SME) is having problems with business cash flow, and you are concerned you may not be able to make repayments on your commercial loan, we are here to help.

How we can help

Get in touch with us as soon as you think you may have financial difficulties. If we can work together early, we may be able to avoid the situation becoming worse – and help you get back on track. For example, we can carry out a credit review, which will look at your current credit facilities and loan security. This will help us identify alternative arrangements to suit your business situation.

Find out more about how we can help by calling 0818 882 241 from Monday to Friday, between 9am and 5pm.

Explore your options

We will guide you through the following four steps.

1	Get in touch If you are worried your business may have financial difficulties that could make it difficult to repay your commercial loan, let us know as soon as possible. We can then outline some options for you. It’s also a good idea to talk to your financial advisor or accountant.
2	Share your financial Information To carry out a confidential credit review, we will ask you for up-to-date financial and tax information. Documents we need include cashflow projections, business plans, financial statements, bank statements and a sworn statement of affairs. You will also need to complete an Income and Expenditure (I&E) form.
3	We will make an assessment Once we have all the information we need, we will consider your: Financial circumstances (including your ability to make repayments and your personal and business debt) Previous repayment history Rental property income Agreements with other lenders Assets We may need an independent third-party review of your business. If so, we will write to let you know. We will share that report with you.
4	Resolution Our goal is to find a solution that works for you, and we aim to do so within 15 days of receiving the information we need. If we cannot resolve the matter within that time, we will tell you the reason and how long it will take to reach a decision.

Find out more about how we can help by calling 0818 882 241.

Helpful resources

Information Booklet for Small and Medium-Sized Enterprises (SMEs) in Financial Difficulties

Find out what we can do to help when things in your business are tough. If you prefer a printed copy, please let us know and we can post one to you. This is a PDF and opens in new window.

Download booklet (PDF)