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Growth Guarantee Scheme for Property Developers - Apply Now

The Growth Guarantee Scheme is a vital financial product aimed at supporting UK property developers by providing government-backed loan guarantees. This initiative helps developers secure financing from private lenders by mitigating their risk, thus enabling projects that might otherwise stall due to financial constraints. By leveraging this scheme, developers can confidently pursue property development projects, knowing they have strong backing.

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

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  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of Growth Guarantee Scheme for Property Developers?

This scheme offers enhanced credit terms and potential higher leverage, increasing lenders' confidence in high-risk projects. With decisions as quick as 2 to 6 weeks and funding soon after, developers gain timely support. The competitive interest rates, starting at 6.5%, further enhance its appeal. Explore why increasing numbers of developers are turning to enterprise finance guarantees to back their financing needs.

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Increased investor confidence
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Boosts property value
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Encourages sustainable development

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What are the different types of Growth Guarantee Scheme for Property Developers?

Senior Development Finance

Senior Development Finance caters to UK-based property firms with successful project experience. Loan amounts range from £500,000 to £50 million, offered at terms of 12 to 60 months. Asset finance options are available for this type.

Senior Development Finance

For firms with a track record, Senior Development Finance represents the backbone of initial capital. This funding supports residential and mixed-use developments, with interest rates from 6.5% APR. Given the thorough scrutiny involving credit checks and project submissions, developers find this a robust option. Successful applicants enjoy confidence from lenders, and debt financing becomes streamlined.

Mezzanine Finance

Mezzanine Finance bridges capital gaps for developers with secured senior finances. Available amounts range from £250,000 to £10 million over 12 to 36 months. CDFI partnerships often support this.

Mezzanine Finance

Utilised to complete the financial stack, Mezzanine Finance is ideal for urban regeneration and commercial enhancements, offering interest rates between 10% and 20% APR. The decision process spans 3 to 6 weeks, where proof of existing finance is crucial. This flexibility in capital structure means developers can proceed confidently, knowing equity finance solutions are complementary.

Bridge Loans

Bridge Loans are short-term solutions for developers awaiting asset sales or long-term funding, with amounts from £100,000 to £5 million for 3 to 24 months. Through bridge financing, immediate site needs are met efficiently.

Bridge Loans

Perfect for immediate acquisitions and covering cash flow gaps, Bridge Loans offer rates from 8% to 15% APR, with repayment based on asset liquidity plans. The expedited process focuses on quick asset valuations and clear exit strategies, ensuring financial readiness. Apply efficiency principles honed in bridging finance to your development strategies.

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What is the Growth Guarantee Scheme for Property Developers?

Application Process Made Simple

Applicants must diligently gather and submit comprehensive project plans, cash flow forecasts, and demonstrate prior success with project approvals. The review, conducted by both government bodies and financial institutions, typically concludes with initial decisions in 2 to 6 weeks, ensuring quick access to commercial loans.

Borrowing Capacity Insights

Strict adherence to FCA regulatory standards ensures transparency and responsible lending practices within the Growth Guarantee Scheme. Developers must comply with consumer credit regulations and obtain necessary planning permissions, showcasing adherence to environmental impact findings.

Borrowing Capacity Insights

The scheme offers borrowing from £100,000 to £50 million, influenced by company creditworthiness and project viability. Interest rates, ranging from 6.5% to 20% APR, are affected by similar criteria. For comprehensive understanding of financial factors, explore our commercial mortgage options.

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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.
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FAQ’S

How much can I borrow under the Growth Guarantee Scheme?
How quickly can I receive a decision and funds?
What interest rates are offered through the scheme?
Who is eligible to apply for funding under this scheme?

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