Focus on
finance options

Focus on
finance options

Equity: Get investment
CORPORATE VENTURE CAPITAL
Equity
Corporate Venture Capital is an investment made by a large company into a smaller business, in return for a share of that business.
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EXPANSION CAPITAL
Equity
Expansion Capital firms give established businesses money to grow and reach maturity.
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{"section1Name":"ABOUT EXPANSION CAPITAL","section1CTA":"LEARN MORE","section1URL":"/expansion-capital","section1Rows":{"row1":{"Title":"Purpose of finance","Content":"Create new products, enter new markets, acquire other businesses or invest in new systems and equipment to drive growth"},"row2":{"Title":"Amount of finance","Content":"£2m-£20m (depending on % shareholding acquired and value of company)"},"row3":{"Title":"Duration of finance","Content":"3-5 years"},"row4":{"Title":"Cost of finance","Content":"Due diligence and legal fees will apply. If you appoint an advisor, they will expect a retainer fee"},"row5":{"Title":"Time to finance","Content":"Minimum of 3 months but can be up to a year"}},"section2Name":"ABOUT YOUR BUSINESS","section2CTA":"LEARN MORE","section2URL":"/expansion-capital","section2Rows":{"row1":{"Title":"Business stage","Content":"Post-revenue, profitable and growing"},"row2":{"Title":"Annual turnover","Content":"£5m-£100m"},"row3":{"Title":"Sectors","Content":"All"},"row4":{"Title":"Regions","Content":"All"}},"applyItems":{"item1":{"txt":"view the journey to finance","url":"https://www.british-business-bank.co.uk/finance-hub/wp-content/uploads/2018/04/Growth-Capital-Infographic_3_tail_purple_yellow.pdf"},"item2":{"txt":"view the checklist","url":"https://www.british-business-bank.co.uk/finance-hub/expansion-capital-checklist"}}}
ANGEL INVESTMENT
Equity
Angel Investors act as mentors and invest their own money in early-stage businesses for a share in the company.
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VENTURE CAPITAL
Equity
Venture Capital invests in businesses with high growth potential, often after Angel investors have got the business started.
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EQUITY CROWDFUNDING
Equity
Using an online platform, investors buy shares in a company to help it grow.
{"mTitle1":"EQUITY CROWDFUNDING","mTitle2":"Investors like","mPara2":"Businesses of any size who sell their product or service in a compelling way on Crowdfunding platforms.","mTitle3":"You're looking for","mPara3":"Either large or small sums of finance to create new products, for acquisition, to develop products, fulfil projects or enter into new markets.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/equity-crowdfunding"}
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PRIVATE EQUITY
Equity
Private Equity firms invest in established businesses in return for a large or controlling stake, to help them grow to the next level.
{"mTitle1":"PRIVATE EQUITY","mTitle2":"Investors like","mPara2":"Mature, growing and profitable business with an annual turnover typically between £10m and £100m.","mTitle3":"You're looking for","mPara3":"Finance in the region of £10m to £50m to shake up your business through management buy-outs, acquisition, product development or entry into new markets.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/private-equity"}
{"section1Name":"ABOUT PRIVATE EQUITY","section1CTA":"LEARN MORE","section1URL":"/private-equity","section1Rows":{"row1":{"Title":"Purpose of finance","Content":"Change in shareholder ownership, management buy-outs, acquisition, product development, entry into new markets"},"row2":{"Title":"Amount of finance","Content":"£10m-£50m"},"row3":{"Title":"Duration of finance","Content":"3-5 years"},"row4":{"Title":"Cost of finance","Content":"Monitoring and director fees; loan note interest"},"row5":{"Title":"Time to finance","Content":"Minimum of 3 months but can take up to a year"}},"section2Name":"ABOUT YOUR BUSINESS","section2CTA":"LEARN MORE","section2URL":"/private-equity","section2Rows":{"row1":{"Title":"Business stage","Content":"Mature and growing; profitable"},"row2":{"Title":"Annual turnover","Content":"£10m-£100m"},"row3":{"Title":"Sectors","Content":"All sectors"},"row4":{"Title":"Regions","Content":"All"}},"applyItems":{"item1":{"txt":"view the journey to finance","url":"https://www.british-business-bank.co.uk/finance-hub/wp-content/uploads/2018/04/private_equity_purple_teal_yellow_white_disclaimer.pdf"},"item2":{"txt":"view the checklist","url":"https://www.british-business-bank.co.uk/finance-hub/private-equity-checklist"}}}
IPO
Equity
An IPO (or Initial Public Offering) is when a business sells shares via the public markets, such as the Main Market or AIM operated by the London Stock Exchange.
{"mTitle1":"IPO","mTitle2":"Investors like","mPara2":"Established and growing businesses, with predictable revenues and a proven track record. Smaller companies, including those who are pre-revenue, can also be attractive depending on the proposition. ","mTitle3":"You're looking for","mPara3":"Unlimited equity capital. Up to £200m on AIM or even larger sums on the Main Market and exposure to a wider pool of investors.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/ipo"}
{"section1Name":"ABOUT IPO","section1CTA":"LEARN MORE","section1URL":"/ipo","section1Rows":{"row1":{"Title":"Purpose of finance","Content":"Acquisition, product development, new markets"},"row2":{"Title":"Amount of finance","Content":"Up to £50m on AIM; unlimited on the Main Market"},"row3":{"Title":"Duration of finance","Content":"10 years +"},"row4":{"Title":"Cost of finance","Content":"You will need to appoint an accountant, a law firm and usually a PR firm. Assume this will cost 8% of the amount you hope to raise"},"row5":{"Title":"Time to finance","Content":"IPO processes takes 10-12 weeks; but planning and negotiations can take 12-18 months"}},"section2Name":"ABOUT YOUR BUSINESS","section2CTA":"LEARN MORE","section2URL":"/ipo","section2Rows":{"row1":{"Title":"Business stage","Content":"Established and growing"},"row2":{"Title":"Annual turnover","Content":"Over £5m; this does not apply to healthcare businesses"},"row3":{"Title":"Sectors","Content":"All sectors; healthcare and tech may be able to list earlier in their lifecycle than other sectors"},"row4":{"Title":"Regions","Content":"All"}},"applyItems":{"item1":{"txt":"view the journey to finance","url":"https://www.british-business-bank.co.uk/finance-hub/wp-content/uploads/2018/04/IPO-Journey-Infographic2-purple-yellow-teal.pdf"},"item2":{"txt":"view the checklist","url":"https://www.british-business-bank.co.uk/finance-hub/ipo-checklist"}}}
Debt: Get a loan
OVERDRAFT
Debt
Businesses can borrow money on demand up to the limit of their overdraft. Overdrafts can be expensive, but a business will only pay interest on the amount they actually borrow.
{"mTitle1":"OVERDRAFT","mTitle2":"Lenders like","mPara2":"Established businesses with assets and a trading history. ","mTitle3":"You're looking for","mPara3":"Short-term working capital, quickly.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/business-overdraft"}
{"section1Name":"ABOUT YOUR BUSINESS","section1CTA":"LEARN MORE","section1URL":"/business-overdraft","section1Rows":{"row1":{"Title":"Business stage","Content":"Established with assets and a trading history"},"row2":{"Title":"Annual turnover","Content":"Any"},"row3":{"Title":"Sectors","Content":"Any"},"row4":{"Title":"Regions","Content":"Any"}}}
BUSINESS LOANS
Debt
A business borrows money from a loan provider such as a bank and then pays it back with interest over an agreed period.
{"mTitle1":"BUSINESS LOANS","mTitle2":"Lenders like","mPara2":"Businesses with assets and a trading history that meet their eligibility criteria.","mTitle3":"You're looking for","mPara3":"Finance quickly, with decisions on applications made quickly.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/business-loan"}
{"section1Name":"ABOUT YOUR BUSINESS","section1CTA":"LEARN MORE","section1URL":"/business-loan","section1Rows":{"row1":{"Title":"Business stage","Content":"Established with assets and a trading history"},"row2":{"Title":"Annual turnover","Content":"Any"},"row3":{"Title":"Sectors","Content":"Any"},"row4":{"Title":"Regions","Content":"Any"}}}
START UP LOAN
Debt
A government-backed loan that helps people who are starting their own business.
{"mTitle1":"START UP LOAN","mTitle2":"Providers like","mPara2":"Businesses within the first two years of trading or that have yet to start.","mTitle3":"You're looking for","mPara3":"Up to £25,000 unsecured loans to help start or grow your business.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/start-up-loan"}
{"section1Name":"ABOUT YOUR BUSINESS","section1CTA":"LEARN MORE","section1URL":"/start-up-loan","section1Rows":{"row1":{"Title":"Business stage","Content":"Yet to start or trading for less than two years"},"row2":{"Title":"Annual turnover","Content":"Any"},"row3":{"Title":"Sectors","Content":"Some exclusions apply (see <a href='https://www.startuploans.co.uk/am-i-eligible/' target='_blank'>here</a>)"},"row4":{"Title":"Regions","Content":"Any"}}}
ASSET-BASED LENDING
Debt
A business secures finance against its existing assets; these can include invoices and also machinery, property and even intangible assets such as IP.
{"mTitle1":"ASSET-BASED LENDING","mTitle2":"Lenders like","mPara2":"Established businesses with assets and a trading history.","mTitle3":"You're looking to","mPara3":"Raise finance from untapped assets on your balance sheet.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/asset-based-lending"}
{"section1Name":"ABOUT YOUR BUSINESS","section1CTA":"LEARN MORE","section1URL":"/asset-based-lending","section1Rows":{"row1":{"Title":"Business stage","Content":"Established with assets and a trading history"},"row2":{"Title":"Annual turnover","Content":"Variable – dependant on asset values"},"row3":{"Title":"Sectors","Content":"Any"},"row4":{"Title":"Regions","Content":"Any"}}}
INVOICE FINANCE
Debt
Businesses sell or borrow against their unpaid invoices, giving them access to the money before the invoices are paid.
{"mTitle1":"INVOICE FINANCE","mTitle2":"Providers like","mPara2":"Businesses of all sizes and stage of growth with invoices.","mTitle3":"You're looking to","mPara3":"Capitalise on an untapped asset on your balance sheet to raise finance quickly.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/invoice-finance"}
{"section1Name":"ABOUT YOUR BUSINESS","section1CTA":"LEARN MORE","section1URL":"/invoice-finance","section1Rows":{"row1":{"Title":"Business stage","Content":"Any but must have invoices"},"row2":{"Title":"Annual turnover","Content":"Any"},"row3":{"Title":"Sectors","Content":"Any"},"row4":{"Title":"Regions","Content":"Any"}}}
PEER-TO-PEER LENDING
Debt
A business borrows money through an online platform and pays it back with interest over an agreed period.
{"mTitle1":"PEER-TO-PEER LENDING","mTitle2":"Lenders like","mPara2":"Businesses with a trading history that meet the eligibility criteria of the platform you choose.","mTitle3":"You're looking to","mPara3":"Get a loan quickly and maintain full control of your business.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/peer-to-peer-lending"}
{"section1Name":"ABOUT YOUR BUSINESS","section1CTA":"LEARN MORE","section1URL":"/peer-to-peer-lending","section1Rows":{"row1":{"Title":"Business stage","Content":"Established with a trading history"},"row2":{"Title":"Annual turnover","Content":"Any"},"row3":{"Title":"Sectors","Content":"Any"},"row4":{"Title":"Regions","Content":"Any"}}}
DIRECT LENDING FUND
Debt
A business borrows money from a fund and repays it with interest. A fund may be able to provide loans where a bank will not.
{"mTitle1":"DIRECT LENDING FUND","mTitle2":"Lenders like","mPara2":"Businesses with assets to use as security against lending.","mTitle3":"You're looking to","mPara3":"Flexible and tailored loans and to maintain full control of your business.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/direct-lending-funds"}
{"section1Name":"ABOUT YOUR BUSINESS","section1CTA":"LEARN MORE","section1URL":"/direct-lending-funds","section1Rows":{"row1":{"Title":"Business stage","Content":"Established with assets and a trading history"},"row2":{"Title":"Annual turnover","Content":"Any"},"row3":{"Title":"Sectors","Content":"Any"},"row4":{"Title":"Regions","Content":"Any"}}}
LEASING & HIRE PURCHASE
Debt
A business can use Leasing and Hire Purchase to buy specific assets, like vehicles, machinery or other equipment.
{"mTitle1":"LEASING & HIRE PURCHASE","mTitle2":"Providers like","mPara2":"Businesses at all stages who can demonstrate their ability to fund payments.","mTitle3":"You're looking to","mPara3":"Get finance to acquire equipment, machinery and vehicles without putting a strain on your working capital.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/asset-finance"}
{"section1Name":"ABOUT YOUR BUSINESS","section1CTA":"LEARN MORE","section1URL":"/asset-finance","section1Rows":{"row1":{"Title":"Business stage","Content":"Early stage to established with a trading history"},"row2":{"Title":"Annual turnover","Content":"Any"},"row3":{"Title":"Sectors","Content":"Any"},"row4":{"Title":"Regions","Content":"Any"}}}
EXPORT FINANCE
Debt
Businesses can get guarantees and protection against late and non-payment by their customers to reduce risk of selling overseas and help fulfil their contracts.
{"mTitle1":"EXPORT FINANCE","mTitle2":"You need to be","mPara2":"Looking for finance to help you sell your product or service overseas.","mTitle3":"You're looking to","mPara3":"Grow your customer base internationally and need finance to enable you to do so.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/export-finance"}
{"section1Name":"ABOUT YOUR BUSINESS","section1CTA":"LEARN MORE","section1URL":"/export-finance","section1Rows":{"row1":{"Title":"Business stage","Content":"Established with assets and a trading history"},"row2":{"Title":"Annual turnover","Content":"Any"},"row3":{"Title":"Sectors","Content":"Any"},"row4":{"Title":"Regions","Content":"Any"}}}
Other options
GRANT
Other
A Grant is a non-repayable type of funding, usually awarded by governments, organisations or companies to invest in certain assets or activities, or to help a business achieve a particular goal.
{"mTitle1":"GRANT","mTitle2":"Providers like","mPara2":"Businesses and products that meet the eligibility criteria for their Grants, whether that’s region, sector or focus based.","mTitle3":"You're looking to","mPara3":"Benefit from finance without giving up a stake in your company or repaying the support you are provided.","mCTATxt":"FIND OUT MORE","mCTAUrl":"https://www.british-business-bank.co.uk/finance-hub/grants-finance"}
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