Debt advice for small businesses

Getting help

We’re committed to helping customers in financial difficulty. The organisations below offer free debt advice to individuals and some businesses. If you or your business is experiencing financial difficulty, these organisations may be able to help:


Sources of Free Money Advice

OrganisationSuitable forContact detailsHours of Help
BUSINESS DEBTLINESmall businesseswww.bdl.org.uk
T: 0800 197 6026
Mon to Fri 9am to 5.30pm
STEP CHANGE DEBT CHARITYIndividualswww.stepchange.org
T: 0800 138 1111
Mon to Fri 8am to 8pm; Sat 8am – 4pm
NATIONAL DEBTLINEIndividualswww.nationaldebtline.co.uk
T: 0808 808 4000
Mon to Fri 9am to 9pm; Sat 9.30am – 1pm
CITIZENS ADVICE BUREAUIndividualsFace to face – search online for local Citizens Advice Bureaus
Times vary depending on branch


Check your credit history and find out more about how you can improve your rating

When making a decision about whether a business can afford a loan, lenders consult a range of credit reference agencies.

You can get a credit risk report for your business from www.graydon.co.uk. If you are a sole trader, your personal credit history may also be considered by lenders. You can request to see a copy of your personal credit report and get more advice on how to improve your credit rating here:



Why order a credit report?

You should review your personal and business credit reports regularly to monitor your financial position and check for any errors or inconsistencies. You can also look for anything that is out of place or not your own debt.

European Union supported under COSMEEuropean Investment Fund

Everline provide financing that benefits from the support of the European Union under the Loan Guarantee Facility established under Regulation (EU) No 1287/2013 of the European Parliament and the Council establishing a Programme for the Competitiveness of Enterprises and small and medium enterprises (COSME) (2014-2020). The Loan Guarantee Facility is managed and implemented by the European Investment Fund (EIF). Find out more.