Using these options won’t affect your credit score, or negatively affect your credit file. The wording below is from the British Business Bank, and covers information about your credit file and the Pay as you Grow options: There are no additional fees and this doesn’t impact your ability to pay off the loan early. You can apply for any of the Pay as you Grow options, or all of them, once they’re available for your loan. You also need to be authorised to make changes on behalf of the business account You’re listed on the mandate and have full access to Online Banking or the Barclays app.You’re at least nine months into your initial payment holiday – this will take effect when your payment holiday ends.
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