Managing your money

Struggling financially

We're here to support you

Whatever the challenges your business is facing, we’re here to help. Chat now or call us on the number below and we'll talk through your options.

UK: 0345 600 2230

Relay UK Sevice: 18001 0345 600 2230

+44 345 600 2230 (outside the UK)

Get help navigating trading difficulties


Understand your cashflow

Understanding the amount of cash coming in and out of your business is key to successful decision making and planning. There are some steps that you can take to help support you with better cashflow management particularly during periods of uncertainty.

Free accounting software for your business

FreeAgent gives you a bird’s eye view of your cashflow, profit and loss, invoices and business bank accounts. It also surfaces valuable insights to help you make smarter business decisions.

Card disputes

Card payment disputes

If you’ve paid for goods or services by credit or debit card and you didn’t receive them, you can make a claim by speaking to the retailer to see if they can resolve the issue. For payments made through PayPal, please speak to their disputes team. If you’ve contacted the retailer and they can’t help, we can raise the dispute for you.

Insolvency help

Insolvency Support

This is where a business is in long term financial difficulty and unable to pay its bills.  If you think your business is, or is about to become, insolvent, you should seek independent professional help.

Not sure where to start?

If you're worried that your situation may change, we're here to give you support.

Review how your business is doing with a Financial Health Check. Sit down with your relationship manager to talk through your challenges and plan your next steps.

This is a free and confidential service available if you have an Relationship Management team.

Free, confidential money advice

As well as speaking to us about your money worries, you may like to get some independent debt advice. We’re partnered with StepChange Debt Charity, whose friendly service is completely free of charge. They can work with you to put together a personalised action plan to help you get back in control of your finances. 

Get free independent support

Take control of your finances with support from an independent free debt advice organisation. They can help with lease agreements, invoice issues, tax returns, budgeting, and much more.

Business Debtline
Business Debtline gives free debt advice to small businesses and people who are self-employed.

Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment, and general consumer issues.

Free and impartial help with money; advice on benefits, everyday money, family & care, homes, money troubles, pensions & retirement, savings and work.

StepChange Debt Charity

Free and confidential advice for small business customers. Recommendations and solutions from a trusted charity with over 30 years of experience.

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We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts. 

Shelter help people facing urgent housing issues.

National Debt Line
Free and confidential advice on debt.

See what government support is available for you and your business.

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Is your business dealing with late payments?

Through our partnership with the Federation of Small Businesses, you can access free independent support, information and webinars.

Membership fees may apply for other services.

Your wellbeing

Whether you’re facing financial difficulties or coping with other stressful life moments, it’s important to look after your wellbeing.

Minding your mental health

Worrying about keeping your business or home finances afloat can have a big impact on your mental health. Mind provide confidential support and information to help support you and your family through difficult times.

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Banking my Way

Banking my Way is a free service that lets you record information about the support or adjustments you need to make it easier to bank with us. We'll share the information you give us with our teams at the Royal Bank so you don't have to remind us each time you get in touch.

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Work-related stress

Dealing with the realities of work-related stress isn’t always easy. Excess stress can be harmful to you, your business, and your employees. We’ve put together some tips that might help.

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Get in touch

If you have a relationship manager, it’s best to contact them directly first for support.

Chat with us

The quickest way to get in touch with us is via webchat. Click the 'Chat now' button here to start.



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24/7 secure messaging

If you’re logged in to Digital Banking or our mobile app, you can use 24/7 secure messaging.

Digital Banking & app criteria apply.

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Business WhatsApp

Chat with us securely on WhatsApp for your business banking queries.

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Call us

For business banking support or if you're in financial difficulty, you can call our team.

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