FINANCE OPTIONS

^900k Grant Funding – Apply Now to Secure Your Funds

Q: How much can you borrow with grant-bridge funding up to £900k?

Borrowing capacity is typically from £50,000 up to £900,000. The figure can depend on grant stage and likelihood of award, how clear the milestone or claim schedule is, your repayment plan through expected drawdowns and business cash flow, and your credit profile. Whether security can be provided, such as over equipment, can also affect the outcome.

Q: How long do lenders take to reach an initial decision?

Initial decision timing is often 1 to 3 weeks after submission of a complete evidence pack. More technical innovation projects can take longer, with typical decision times of 2 to 6 weeks due to technical appraisal and evidence review. Speed can also be affected by how complete your documents and milestone plan are.

Q: What interest rate range is typical for the advance portion?

Indicative pricing for the advance or loan portion often lands broadly around 8% to 22% APR. The range can shift with grant certainty and timing, perceived risk of claims delays, whether security is provided, the length of the facility, and your SME credit and affordability profile. Extra arrangement, underwriting, or legal costs may also apply depending on the lender.

Q: What are the main types of 900k grant funding bridge facilities?

The main structures are Grant Bridge Advance, R&D/Innovation Cost Bridge (Claims-led Advance), and Capital Equipment Grant Drawdown Advance. Each one is built around a different use case, such as general project delivery while a grant is assessed, innovation claims with longer evidence requirements, or capital equipment procurement and staged reimbursement.

900k Grant Funding describes a combined approach for UK SMEs where grant money is typically non-repayable, but cash is still needed to bridge the timing gap. Funding Agent matches businesses needing Grant application support (Advisory + Working Capital Advance) to lenders that can help prepare and submit grant evidence and also provide a working-capital advance tied to the grant project. This can help you start procurement and delivery while applications are being prepared and claims are assessed and paid.

Grant Financing

Secure up to £1,000,000 in Grant Financing with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

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Why SMEs use a grant bridge

This finance is designed for real cashflow timing problems in grant-backed projects. It blends professional support for your grant application and claim evidence with a working-capital advance that is linked to grant drawdown or claim milestones. Below are the specific advantages lenders and SMEs commonly focus on when timing is tight.

Protects project momentum

Bridges claim cash gaps

Repayment tied to milestones

SCALE YOUR BUSINESS TO NEW HEIGHTS

Common ways this facility is structured

Grant Bridge Advance

Often used when you have a grant opportunity identified and need to fund project activity while your application and evidence are being assessed.

Grant Bridge Advance

Grant Bridge Advance supports SMEs with grant-backed projects where repayment is linked to grant proceeds. Typical facility sizes are commonly £100,000 to £900,000, with initial advances often lower and able to scale with milestones. Terms are often 6 to 24 months, and pricing for the advance is commonly in the broad 8% to 20% APR range, depending on risk and security. Decision times are often around 1 to 3 weeks after a complete application pack is received.

R&D/Innovation Cost Bridge (Claims-led Advance)

Designed for innovation or R&D-style grants where evidence requirements and claim timing take longer to complete.

R&D/Innovation Cost Bridge (Claims-led Advance)

For R&D and innovation work, the advance is structured around an innovation plan and a claim schedule. Typical amounts are often £50,000 to £750,000, with larger facilities possible up to around £900,000 where the delivery schedule is clear. Typical terms are 9 to 30 months, reflecting longer claim assessment and audit-ready evidence needs. Indicative APR ranges often broadly sit around 9% to 22%. Decision times are often 2 to 6 weeks because of technical appraisal and evidence review.

Capital Equipment Grant Drawdown Advance

Useful when you need to fund capex, such as equipment or systems, and you expect reimbursement through staged drawdowns.

Capital Equipment Grant Drawdown Advance

This structure is commonly used to bridge capital expenditure where supplier deposits, payments, installation and acceptance happen before claims are assessed and paid. Typical amounts are often £100,000 to £900,000, with terms frequently 6 to 18 months and sometimes up to 24 months if installation or claim assessment is prolonged. Indicative pricing for the advance is commonly in the broad 8.5% to 19.5% APR range, depending on whether it is secured and the certainty of drawdown. Decisions are often 1 to 4 weeks once supplier documentation is complete.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to access a grant bridge with Funding Agent

Share project and grant details

Tell us which grant you are applying for (or have an offer for), plus your project scope, start date, milestones, and estimated eligible spend. If you have supplier quotes or a draft budget, include them so timing can be mapped via online application form.

Get a grant-bridge match

We review your expected drawdown or claim timing alongside your business financials to identify a suitable advance size and structure. Where grant milestones are uncertain, lenders may need adjustments or stronger evidence.

Complete lender evidence pack

We help you compile the information lenders typically need, such as grant evidence, your project budget and milestones, and financial documents like company or management accounts and bank statements. This supports assessment and the start of drawing against agreed milestones.