While the scheme offered vital short-term relief, many directors are now facing increasing pressure as repayments fall due, cash flow tightens, and HMRC or lenders begin to take a closer interest in how the loan was used and how it will be repaid.

RLBR supports directors dealing with the financial and personal strain associated with Bounce Back Loans. We help assess the company’s position, review how the loan fits within wider business finances, and explore realistic options to remedy the situation. This may include restructuring debt, negotiating with creditors, considering formal insolvency options where appropriate, or guiding directors through compliant closure where the business is no longer viable. Our focus is on reducing pressure, protecting directors, and ensuring the right steps are taken to deal with the loan responsibly while working towards the best possible outcome for both the business and the individual involved.