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Growth Guarantee Scheme for Restaurants – Apply Now

The Growth Guarantee Scheme for Restaurants is a transformative initiative by the UK government aimed at aiding restaurants in securing finance. This programme provides partial guarantees to lenders, significantly reducing their risk, and empowers them to offer loans to SMEs that might not qualify for conventional financing methods. By easing access to funds, this scheme supports expansion and sustainability within the restaurant sector. Discover how this can benefit your restaurant's growth trajectory and unlock new opportunities for expansion through business loans tailored for SMEs.

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What are the benefits of Growth Guarantee Scheme for Restaurants?

The scheme offers several advantages, including reduced interest rates due to the government guarantee and enhanced access to finance for businesses with lower credit ratings. Eligible restaurants can borrow between £5,000 to £1 million with decisions typically made within 1 to 3 weeks. Discover the specific benefits your business can reap by accessing these funds through unsecured business loans.

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Financial support
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Encourages business growth
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Risk mitigation

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What are the different types of Growth Guarantee Scheme for Restaurants?

Government-backed Business Loan

This loan is accessible to UK-based SMEs in the restaurant sector that have a viable business plan and potential for growth. Typical loan amounts range from £25,000 to £1 million, with lending terms between 12 to 60 months. Learn how to enhance your business plan and meet eligibility criteria with our business loan refinancing services.

Government-backed Business Loan

Government-backed Business Loans offer substantial capital for restaurants aiming to expand capacity or launch new locations. Interest rates range between 6% to 12% APR, with decisions made in 1 to 3 weeks. This option covers financing for upgrading kitchen equipment or remodelling dining areas. Enhance your financing options with our expertise in startup loans.

Asset Finance

Asset Finance is ideal for restaurants needing to acquire equipment or renovate. Loans range from £10,000 to £500,000 with terms of 24 to 60 months. Understand better how asset finance can fit into your capital strategy through our comprehensive asset finance guide.

Asset Finance

This option allows for the purchase of high-end kitchen technology and energy-efficient equipment. Interest rates typically fall between 5% to 10% APR, with decision times spanning 2 to 4 weeks. Our asset finance solutions help streamline this process, ensuring your business acquires the necessary assets for growth. Learn more about our tailored services for asset-based lending.

Revolving Credit Facility

Designed for restaurants with a robust financial history seeking flexible financing solutions. Borrow between £5,000 to £100,000, with the facility typically reviewed annually. Discover flexible funding options for seasonal demands through our revolving credit loans.

Revolving Credit Facility

The revolving credit facility supports cash flow management, including purchasing inventory and handling emergency repairs. Interest rates are 4% to 9% APR, plus usage fees, with decisions in as little as 1 to 2 weeks. Our solutions offer reliable financing for restaurants experiencing seasonal demand fluctuations. Explore what a revolving credit loan can do for your business.

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What is the Growth Guarantee Scheme for Restaurants?

Application Process

The application involves submitting your business plan and financials through accredited lenders, with decisions generally made within 2 to 4 weeks. Post-approval, funds are typically available within the week. Streamline your application experience using our business loans application guidance.

Borrowing Capacity and Rates

The scheme complies with FCA regulations, emphasizing transparency and fairness. Participating lenders are often FCA-authorised firms. We ensure compliance with all regulatory practices as part of our commitment to ethical business practices. Gain insights into lending regulations with our lending regulatory resources.

Borrowing Capacity and Rates

Borrowing amounts range from £5,000 to £1 million, influenced by factors such as business size and creditworthiness. Interest rates vary between 4% to 12% APR. Our competitive offerings align with your business's financial health and projected cash flow. Discover tailored funding solutions through our quick business finance 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 is a decision made on my loan application?
What are the interest rates for loans in this scheme?
What are the eligibility requirements for this scheme?

DIVE DEEPER

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