Worried about money? Please talk to us early

If money is tight, you are not alone, and you should not feel awkward about telling us. The single most useful thing you can do is to get in touch before a payment is due, rather than after it has been missed.

When we hear from you early, we have far more room to help. Depending on your situation we may be able to offer:

• a payment arrangement that spreads what you owe over a more manageable schedule;
• a short payment extension to give you breathing space after a one-off event;
• a hardship variation if your difficulty is likely to last longer.

You can start any of these using our online forms. We will always treat your situation sensitively and in confidence.

It is also worth knowing that free, independent advice on business debt is available from Business Debtline (0800 197 6026). Talking to them costs nothing and can help you see all of your options.

Whatever is going on, please do not ignore it. A conversation early on is almost always the best route through.