Bounce Back Loan repayment and default tracker
Around £47 billion was lent to UK small businesses under the Bounce Back Loan Scheme.This tracker follows British Business Bank reporting on Bounce Back Loan repayment, arrears and defaults. The key distinction for directors is between loans that were taken and used properly, which are simply unsecured debts in an insolvency, and loans that were misused or taken when ineligible, which create personal risk. British Business Bank scheme performance data
Source: British Business Bank scheme performance data · Updated quarterly, in line with scheme reporting. · Last reviewed June 2026.
| Status | What it means for a director |
|---|---|
| Repaying on schedule | No action needed; loan runs its course |
| In arrears | Engage early; the lender and scheme rules still apply |
| Company insolvent, loan used properly | Treated as an unsecured debt; no personal liability |
| Loan misused or ineligible | Personal liability and disqualification risk |
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Methodology and source
This tracker follows British Business Bank reporting on Bounce Back Loan repayment, arrears and defaults. The key distinction for directors is between loans that were taken and used properly, which are simply unsecured debts in an insolvency, and loans that were misused or taken when ineligible, which create personal risk. See Bounce Back Loan arrears for what this means if your company cannot pay.
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