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If you’re self-employed or run a small business and struggling with debt, we can help.

We’re Business Debtline, an independent debt advice charity. We’ve been helping self-employed people and small businesses in the UK with debt for over 30 years. We know being in debt can be hard to deal with. That’s why we’re here to help. 

Completely free

All our help and information is completely free for everyone, forever. Unlike some services, we never charge for our support. Every call, webchat, and online tool is free to use. 

Independent and trusted

We are authorised and regulated by the Financial Conduct Authority (FCA), so you can be confident that our advice meets strict standards and is always in your best interest. 

Tailored to your situation

Our expert debt advisers listen to your concerns and help you find the best solution for your circumstances.

Confidential and judgment-free

We know debt related to your business can be difficult to talk about. Our service is private, anonymous, and always supportive

 How can we help? 

We know every situation is different. We can help in a way that suits you. 

Whether you want to talk it through on the phone, get advice via webchat, or understand your situation better using our online tool, My Budget, we’re here when you need us. 

Our team come from a range of backgrounds, with years of experience of running small businesses. We understand how stressful running a small business or being self-employed can be. All our expert advisers are here to help you tackle your debts.  

Business Debtline is a charity run by the Money Advice Trust. Working in England, Wales and Scotland, we have helped millions of self-employed people and small businesses deal with their debts. We’re here to help you too. 

Looking for information? 

Find impartial, expert, easy-to-read information to help you feel more in control. And if you want to know more, you can talk to us at any time. 

Whatever your situation, we can help

However you feel comfortable, we can help you make a plan to take control of your debt.

Call Chat online My Budget
Our vision
Helping self-employed people and small business owners across the UK tackle their debts and manage their money with confidence

We have a proven track record of giving expert debt advice for over 30 years. We promise:

  • to provide expert debt advisers who are supportive and trained to a high standard;
  • to stay committed to providing free, impartial and confidential debt advice;
  • to talk you through the debt advice options that are right for you;
  • to keep all of your personal information confidential; and
  • not to pass your details on to any other organisation without your permission.

Our debt advisers are our heart and soul. Their expert knowledge and advice has helped millions of people since 1992. And some of them have been with us for over 20 years. 

Our advisers go through extensive training when they first join us. And we continue to support them with ongoing training. We are accredited with the Matrix Standard, for our high-quality advice and guidance. 

All our debt advisers are dedicated to giving high quality free debt advice to small businesses and self-employed people across the UK. 

You can tell us

If you have a personal, health or other issue that is making it harder to manage your finances you can tell us. If we know this, it could help us give you a better service. 

Always confidential

If we need to call you, our number is always hidden when we call and will not be shown as the last number to call you. This is in case you don’t want anyone to know that we have contacted you. 

Can’t get through? We’re still here for you

We understand that sometimes our lines can be very busy. The best way to prepare for a call is to first create a budget online using our My Budget tool, before you call. Don’t worry if there are any gaps, our advisers can still help you. We can then use the information you provide to explain your options.