FINANCE OPTIONS
Growth Guarantee Scheme - Get Started Today
Growth Guarantee Scheme is a program designed to ensure steady and reliable growth for businesses or investments by providing assurances or support. It helps you feel confident your efforts will pay off over time. Interested in learning how it could work for you?
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of Growth Guarantee Scheme?
The Growth Guarantee Scheme is designed to support emerging businesses by providing a safety net that mitigates financial risks. This initiative encourages investors to fund these businesses, knowing they have some protection against potential losses. Additionally, the scheme fosters a conducive environment for business growth and innovation by ensuring that start-ups have access to necessary resources without the fear of immediate financial failure.
Risk mitigation
Encourages investment
Promotes business growth
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What are the different types of Growth Guarantee Scheme?
Loan Guarantee Scheme
Provides government-backed guarantees on loans to encourage lending to businesses.
Equity Guarantee Scheme
Offers guarantees on investments in business equity to stimulate private capital investment.
Export Guarantee Scheme
Supports businesses expanding internationally by guaranteeing loans or payments related to exports.
What is the Growth Guarantee Scheme?
Government-Backed Guarantee to Encourage Lending
The Growth Guarantee Scheme provides lenders with a 70% government-backed guarantee on eligible loans, making it less risky for banks to lend to businesses. However, the business is still responsible for repaying the full loan amount.
Supports UK Business Growth and Investment
Businesses can access loans of £25,001 to £2 million (£1 million in Northern Ireland) for a variety of purposes, such as investment, cashflow or growth. Loans can be repaid over 3 months to 6 years, and the scheme supports many finance types like term loans, overdrafts, and asset finance.
Supports UK Business Growth and Investment
The scheme is designed to help established UK businesses that have been trading for at least 2 years, particularly small and medium enterprises, to invest, grow, and manage financial challenges.
Real Scenarios
Construction Company Needing Fast Working Capital
Situation
A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.
Challenge
Traditional bank applications were too slow; they needed a decision and funds within days.
Outcome
Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.
Ecommerce Business Preparing for Peak Season
Situation
An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.
Challenge
They wanted flexible terms and a quick turnaround so stock could be ordered in time.
Outcome
Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.
Marketing Agency Using Invoice Finance
Situation
A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.
Challenge
They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.
Outcome
Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.
Property Developer Using Bridging Finance
Situation
A developer needed short-term finance to complete a purchase before selling an existing property.
Challenge
They required a fast decision and flexible terms to align with the sale timeline.
Outcome
Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
FAQ’S
Is the Growth Guarantee Scheme available to all sectors?
What are the sector-specific borrowing limits for Northern Ireland under GGS?
Are there sector-specific restrictions outside Northern Ireland in GGS?
Can primary agriculture, aquaculture, or fisheries access the Growth Guarantee Scheme?
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