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:
|Organisation||Suitable for||Contact details||Hours of Help|
|BUSINESS DEBTLINE||Small businesses||www.bdl.org.uk|
T: 0800 197 6026
|Mon to Fri 9am to 5.30pm|
|STEP CHANGE DEBT CHARITY||Individuals||www.stepchange.org|
T: 0800 138 1111
|Mon to Fri 8am to 8pm; Sat 8am – 4pm|
T: 0808 808 4000
|Mon to Fri 9am to 9pm; Sat 9.30am – 1pm|
|CITIZENS ADVICE BUREAU||Individuals||Face to face – search online for local Citizens Advice Bureaus|
|Times vary depending on branch|
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:
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.
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.