FINANCE OPTIONS
Growth Guarantee Scheme for Builders’ Merchants – Apply Now
The Growth Guarantee Scheme for Builders’ Merchants is a government-backed program that helps businesses get better loan terms by guaranteeing a portion of the loan, making it easier and safer for lenders to offer funds. It's a great way to support growth with more accessible finance. Interested in learning how it can help your business? Reach out to explore your options!
- 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 for Builders’ Merchants?
The Growth Guarantee Scheme for Builders’ Merchants is designed to provide financial backing and resources to help merchants expand their operations. This initiative supports builders' merchants in navigating market challenges, enhancing their capacity to grow and compete effectively. By offering guarantees, the scheme mitigates financial risks, encouraging investments in innovation and infrastructure improvements, ultimately fostering a more robust construction supply chain.
Financial support
Increased market access
Risk mitigation
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Providers
What are the different types of Growth Guarantee Scheme for Builders’ Merchants?
Loan Guarantees
Government-backed guarantees for loans to builders’ merchants.
Trade Credit Insurance Support
Support for trade credit insurance to secure supply chains.
Working Capital Facilities
Guarantees for short-term working capital to help manage cash flow.
What is the Growth Guarantee Scheme for Builders’ Merchants?
Government-Backed Loan Guarantees
The Growth Guarantee Scheme provides loans to builders’ merchants that are backed by a 70% government guarantee, making it easier to access funding. This reduces the risk for lenders so they are more likely to lend, but businesses are still responsible for repaying the entire amount borrowed.
Support for Business Growth and Sustainability
Builders’ merchants can access a range of finance products through the scheme, such as term loans, overdrafts, asset finance, invoice finance, and asset-based lending, with loan sizes from £1,000 up to £2 million and repayment terms of up to 6 years.
Support for Business Growth and Sustainability
Funds from the scheme can be used for various business needs like cash flow, investing in growth, purchasing assets, or adopting sustainable equipment, helping builders’ merchants to expand and thrive in a competitive market.
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
Can builders’ merchants apply for the Growth Guarantee Scheme?
What finance options are available for builders’ merchants under the Growth Guarantee Scheme?
How much can builders’ merchants borrow through the Growth Guarantee Scheme?
What is the repayment term for builders’ merchants using the Growth Guarantee Scheme?
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