Growth Guarantee Scheme 
For UK Businesses

Access government-backed lending designed to help UK businesses scale and succeed. The Growth Guarantee Scheme supports businesses that may not qualify for traditional finance, with loans up to £2 million. Benefit from reduced lender risk and improved approval chances. Fuel your next phase of growth.
  • Borrow from £10,000
    up to £2m
  • Flexible terms to
    support your growth
  • Decisions in hours,
    not weeks
  • Funds available
    within 24 hours
Takes 30 seconds - No impact on your credit score
Or call us on 0333 772 1782

What is the Growth Guarantee Scheme?

The Growth Guarantee Scheme is a government-backed business finance initiative designed to help UK SMEs access funding when traditional lending options are limited. It works by allowing approved lenders to provide business loans, asset finance, refinance or invoice finance with a portion of the risk guaranteed by the government, making it easier for businesses to secure funding. This scheme supports businesses looking to invest in expansion, improve cash flow, or fund working capital with more flexible lending criteria. Repayments are structured through the lender in agreed instalments, giving businesses predictable and manageable finance terms. For SMEs seeking accessible growth funding, the Growth Guarantee Scheme provides a powerful route to secure business finance and support long-term expansion.


Explore the latest information and updates on the Growth Guarantee Scheme directly from the British Business Bank (BBB).?

Is My Business Eligible?

The scheme will only be open to small and medium sized enterprises
The maximum amount of finance available will be £2 million per business
The guarantee coverage that the government will provide to lenders will not exceed 70%
No Impact on Your Credit Score

What is the current criteria?

  • The government has agreed to guarantee 70% of advances to accredited lenders
  • Term loans and overdrafts will be available between £25,001 and £2million per business
  • Invoice finance, asset finance and refinance will be available between £1,000 and £2million per business
  • Up to six year terms for asset finance and and term loans
  • Up to three year terms for invoice finance. No minimum turnover.
  • No minimum trading history
  • You can still apply even if you already have CBILS or Bounce Back Loans
No Impact on Your Credit Score
Growth Guarantee Scheme

How It Works

1

Check Your
Eligibility

Complete our quick enquiry form in under 30 seconds

2

Tell Us About
Your Business

We’ll call you to discuss your business requirements

3

We Find the
Right Lender

We match you with the most suitable lender and options

4

Receive Your
Funds Quickly

Get approved and funded in as little as 24 hours
No Impact on Your Credit Score
ESTIMATE MONTHLY REPAYMENTS

Try Our Finance Calculator

Use our business finance calculator to estimate your monthly repayments and explore flexible funding options tailored to your business needs. Whether you’re looking for asset finance, business loans or vehicle finance in the UK, our calculator helps you understand potential monthly costs before applying, making it easier to plan your cash flow and budget with confidence.
No Impact on Your Credit Score
TESTIMONIALS

What Our Clients Say

CASE STUDY

Real Results for Real Businesses

Harvester Financed On Growth Guarantee Scheme

Finance Advance: £350,000
Large Lincolnshire based agricultural business specialising in sugarbeat harvesting, cultivation and drilling services. Their brief was to secure funding for a replacement beet harvesting machine over a 4 year term. The client was recommended through one of our equipment supplier partnerships.

Growth Guarantee Scheme FAQs

The Growth Guarantee Scheme is a UK government-supported initiative designed to help small businesses access finance.

UK SMEs with a viable business model and the ability to repay funding may qualify.

Funding can support growth, investment, working capital, or refinancing.

Loan sizes vary depending on lender criteria and business needs.

No, lenders provide the funding while the government guarantees part of the loan.

Some lenders consider startups depending on business viability.

Terms depend on the lender but usually range between 1 and 6 years.

Yes, the government guarantee helps lenders provide finance to more businesses. However, the borrower always remains 100% liable for the loan.

Approval times depend on the lender and documentation provided.

Applications are made through accredited lenders and finance brokers.
This enquiry will not affect your credit score

Ready to unlock funding to power your next big move?

Check your eligibility in under 30 seconds and discover how much funding you could access. Your business finance expert is ready to match you with the right finance solution.
This enquiry will not affect your credit score

Complete Your Enquiry

Finance Calculator

£
£10,000 £5,000,000

Longer term = lower payments

Monthly Payment £0
Loan £0
Interest £0
Total £0
APR 0%
Borrowing Interest
Borrowing: £0 Interest: £0

This enquiry will not affect your credit score

For illustration purposes only. Our experts will calculate the rate you may be offered based on your individual circumstances. This is not an offer or quote for your finance.