FINANCE OPTIONS
Growth Guarantee Scheme for Start-ups and Early-stage Businesses
The Growth Guarantee Scheme is a UK government-backed program that helps start-ups and early-stage businesses get access to loans and finance to invest and grow. It offers lenders a 70% government guarantee on loans, making it easier for small businesses to borrow money for things like managing cash flow or investing in their future. Interested in growing your business? Learn how this scheme could help you get the funding you need!
- 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 Start-ups and Early-stage Businesses?
The Growth Guarantee Scheme for Start-ups and Early-stage Businesses is designed to provide financial backing and risk mitigation for new ventures. By offering guarantees on loans or investments, this scheme facilitates access to necessary funding while reducing the financial burden on entrepreneurs. This support is crucial for fostering innovation and helping businesses scale their operations effectively, ultimately contributing to economic growth and job creation.
Financial risk reduction
Encourages innovation
Supports business scaling
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What are the different types of Growth Guarantee Scheme for Start-ups and Early-stage Businesses?
Government-backed Loan Guarantees
Schemes where the government guarantees a portion of loans provided to start-ups to encourage lending.
Equity Support Schemes
Government or agency co-investment in start-ups, often matching private investment to boost capital.
Credit Enhancement Facilities
Initiatives that improve a start-up's credit profile to help them secure loans or funding.
What is the Growth Guarantee Scheme for Start-ups and Early-stage Businesses?
Government-backed Loan Guarantee
The Growth Guarantee Scheme provides a 70% government-backed guarantee to lenders offering loans to start-ups and early-stage businesses. While this encourages lenders to support more companies, borrowers are still responsible for repaying the full amount.
Inclusive but Clear Eligibility
The scheme allows eligible businesses to apply for various types of finance, like term loans, overdrafts, asset finance, and invoice finance, with borrowing limits usually from £1,000 up to £2 million. This makes it easier for growing businesses to find funding that fits their needs.
Inclusive but Clear Eligibility
To apply, businesses must be UK-based with a turnover below £45 million and meet basic credit checks. While start-ups can be eligible, very early-stage companies may need to look at alternatives like the Start Up Loans programme, as some lenders may require more trading history.
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 my start-up eligible for the Growth Guarantee Scheme?
What type of businesses are excluded from the Growth Guarantee Scheme?
What can Growth Guarantee Scheme funding be used for?
Are there sector-specific Growth Guarantee Schemes or Green GGS offers?
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