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^Growth Guarantee Scheme for Wholesale Businesses - Apply

Q: How much can I borrow under the Growth Guarantee Scheme?

Under this scheme, SMEs can borrow between £1,000 and £1 million, with exact amounts based on business credit history and lender criteria. This flexibility supports a wide range of financing needs for growth-oriented projects.

Q: What is the typical decision timescale for loans?

The initial decision on loan applications takes about 1 to 4 weeks, depending on lender efficiency and the completeness of the provided documentation. Once approved, funds are generally available within 1 to 2 weeks.

Q: What interest rates are available under this scheme?

Interest rates range from 3% to 12% APR, determined by a combination of the business risk profile, the amount borrowed, and economic conditions. Competitive rates are offered due to reduced risk premiums from government guarantees.

Q: What are the eligibility criteria for obtaining a loan?

Eligible businesses must be UK-based SMEs operating in the wholesale sector. Criteria include a turnover under £45 million, verifiable assets for some financing types, and a trading history to support risk assessments.

The Growth Guarantee Scheme is a government-backed initiative aimed at supporting UK wholesale businesses. By providing guarantees on loans, it enhances SMEs' access to finance, particularly in high-risk sectors. Key benefits include improved financial stability and growth opportunities.

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What are the ^benefits of Growth Guarantee Scheme for Wholesale Businesses?

Businesses benefit from increased access to finance, competitive interest rates, and flexibility in loan usage, all supported by government guarantees that lower lender risks. An efficient application process, typically requiring comprehensive financial documentation, further supports the accessibility of these resources.

Risk mitigation

Access to funding

Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Growth Guarantee Scheme for Wholesale Businesses?

Government-Backed Business Loans

Government-backed business loans are available for UK-based SMEs in the wholesale sector, providing amounts between £1,000 and £1 million over 12 to 60 months.

Government-Backed Business Loans

These loans, offering competitive interest rates from 4% to 12% APR, require a detailed application process including business plans and financial statements. This type of financing is ideal for capital investment and expansion projects, helping wholesalers overcome financial barriers.

Asset Finance for Wholesale Businesses

Asset finance enables SMEs to leverage company assets, providing between £5,000 to £500,000 for purchasing vehicles, machinery, or storage.

Asset Finance for Wholesale Businesses

With terms of 12 to 84 months and rates from 3% to 10% APR, this option allows businesses to spread the cost of essential equipment over time while preserving working capital, supported by thorough asset valuations and business financial histories.

Invoice Finance for Wholesale Companies

Ideal for managing cash flow, invoice finance allows companies to release up to 90% of invoice values, bridging gaps efficiently.

Invoice Finance for Wholesale Companies

This financing, with terms up to 12 months and rates from 1.5% to 5% above base, aids manufacturers and IT service providers by advancing funds against owed invoices, ensuring steady cash flow during client payment delays.

What is the Growth Guarantee Scheme for Wholesale Businesses?

Application Processes Explained

The application process for the Growth Guarantee Scheme involves submitting detailed business plans and financial statements to participating lenders. This streamlined process ensures that loans are allocated efficiently, with initial decisions typically made within 1 to 4 weeks.

Regulatory and Compliance Requirements

Compliance with FCA regulations is mandatory, including thorough affordability checks and adherence to anti-money laundering laws, positioning our services as experts in navigating these complex requirements.

Borrowing Capacity and Rate Insights

Borrowing limits range from £1,000 to £1 million, influenced by factors like financial performance and asset valuations. Rates between 3% and 12% APR are shaped by economic conditions and collateral offered, highlighting our ability to provide competitive financial solutions.

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FAQ’S

How much can I borrow under the Growth Guarantee Scheme?

What is the typical decision timescale for loans?

What interest rates are available under this scheme?

What are the eligibility criteria for obtaining a loan?

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^Growth Guarantee Scheme for Wholesale Businesses - Apply

What are the ^benefits of Growth Guarantee Scheme for Wholesale Businesses?

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Growth Guarantee Scheme for Wholesale Businesses?

Government-Backed Business Loans

Government-Backed Business Loans

Asset Finance for Wholesale Businesses

Asset Finance for Wholesale Businesses

Invoice Finance for Wholesale Companies

Invoice Finance for Wholesale Companies