Coronavirus Large Business Interruption Loan Scheme (CLBILS)


The Coronavirus Large Business Interruption Loan Scheme is now closed to new applications. Please note, applications received by 23.59 on 31 March 2021 can still be processed through to 31 May 2021.

If you have a query about CLBILS, or wish to discuss an outstanding application, please contact us on 0345 6005 925 in the usual way.

The government backed Coronavirus Large Business Interruption Loan Scheme (CLBILS) provides financial support for medium to large UK based businesses experiencing disruption to their cashflow due to lost or deferred revenues during the Covid-19 outbreak.

As accredited lenders for CLBILS we can support eligible customers with Term Loans and Revolving Credit Facilities (RCFs) up to £50m.

Key Features

Eligibility criteria

CLBILS is open to businesses who are currently not availing of any of the following: the Bank of England's COVID Corporate Financing Facility (CCFF), the Bounce Back Loan Scheme (BBLS) or the Coronavirus Business Interruption Loan Scheme (CBILS), and will not use any of them during the term of the CLBILS facility, unless the CLBILS will refinance the whole of the CBILS or BBLS facility.

In addition:

  • Your business must be based and operates in the UK.
  • Has an annual group turnover of more than £45m.
  • Has a borrowing proposal which were it not for COVID-19, we would consider viable under our usual lending criteria.
  • You can provide confirmation that your business has been adversely impacted by the COVID-19.


Important to know

  • You need to be an existing AIB customer.
  • All lending is subject to terms and conditions and eligibility criteria. For loans up to and including £50m, dividend restrictions will apply.
  • The maximum loan value can be determined by one of the following three options , you will need to self-certify as to which one applies;
    1. 2 x Annual wage bill as evidenced by 2019 accounts. Where the case of wage undertakings created on or after 1 January 2019, the maximum loan must not exceed the estimated annual wage bill for the first two years in operation.
    2. 25% of 2019 turnover as evidenced by 2019 accounts.
    3. Estimation of Working Capital/Investment costs required for the forthcoming 18 months. Note, if your business employs over 250 employees, then this is only required for the forthcoming 12 months.

Full details on CLBILS, including how the scheme operates, eligibility criteria, and the list of participating CLBILS lenders can be found on the British Business Bank website at:


Supporting Information

We may ask you to provide certain evidence to show that you can afford to repay the facility. This is likely to include some or all of the following:

  • Management accounts
  • Cash flow forecast
  • Business plan
  • Historic accounts
  • Details of assets


Managed by the British Business Bank on behalf of, and with the financial backing of, the Secretary of State for Business, Energy & Industrial Strategy. British Business Bank plc is a development bank wholly owned by HM Government. It is not authorised or regulated by the PRA or the FCA. Visit

Further information

FAQs are available here:

The CLBILS is one element of a broad package of government financial support for UK business and employees. To learn more about the range of government supports click here:


Other business finance support options

In addition, the British Business Bank has a range of guidance and resources available to all businesses, including content on managing your cashflow and a list of independent advice services.

 phone call

Call 0345 6005 925


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