Debt finance
Learn about our range of debt programmes
Learn about our debt programmes
Business loans are one of the most common ways smaller businesses will access finance.
Through our range of debt programmes, we're committed to ensuring UK businesses have the support they need to survive and thrive.
Start Up Loans
Over 115,000 business ideas supported with more than £1.1 billion worth of loans. We offer low-interest personal loans and free mentoring to help you start or grow a new business.
Learn more about Start Up LoansOur programmes
Bank Referral Scheme
The Bank Referral Scheme helps businesses by referring them to the right lender when they have been unsuccessful in finding a lending facility. Learn how it can help.
Community Enable Funding Programme
Struggling to secure finance? A Community Development Finance Institution (CDFI) could help—especially if you've been turned down by mainstream lenders. CDFIs support diverse businesses and boost funding in underserved areas.
FinTech
We are continuing to engage actively with market participants, seeking appropriate opportunities in the FinTech alternative lending sector.
Debt Funds
We focus our efforts on supporting established as well as emerging managers raising funds that lend to smaller, generally higher growth, companies with revenues of up to £100m
ENABLE Programmes
Find out about our ENABLE Programmes and how we support financial institutions to unlock more lending for smaller businesses.
Growth Guarantee Scheme (GGS)
The Growth Guarantee Scheme is the successor to the Recovery Loan Scheme. It is designed to support access to finance for UK smaller businesses as they look to invest and grow, and was launched with accredited lenders on 1st July 2024.
Structured Capital Solutions
Structured Capital Solutions help address the capital constraints faced by our partners
Our Nations and Regions Investment Funds
Our Nations and Regions Investment Funds offer businesses a range of commercial finance options, including Smaller Loans and Debt Finance from £25,000 up to £2 million.
Cronfa Buddsoddi i Gymru
Mae cronfa fuddsoddi gwerth £130 miliwn sydd â’r nod o sbarduno twf busnesau bach a chanolig yng Nghymru ar y trywydd i gael ei lansio yn hydref 2023.
Learn more Dysgu mwy Investment Fund for Wales
A £130 million investment fund aimed at driving the growth of smaller businesses in Wales by providing commercially focused finance through Smaller Loans, Debt Finance and Equity Finance.
Learn more about the Investment Fund for Wales
Investment Fund for Northern Ireland
A £70 million investment fund aimed at driving the growth of smaller businesses in Northern Ireland by providing commercially focused finance through Debt Finance and Equity Finance.
Learn more about the Investment Fund for Northern Ireland
Investment Fund for Scotland
A £150 million investment fund aimed at driving the growth of smaller businesses in Scotland by providing commercially focused finance through Smaller Loans, Debt Finance and Equity Finance.
Learn more about the Investment Fund for Scotland
Midlands Engine Investment Fund II
A £200 million investment fund aimed at driving the growth of smaller businesses in the Midlands by providing commercially focused finance through Smaller Loans, Debt Finance and Equity Finance.
Learn more about the Midlands Engine Investment Fund II
Northern Powerhouse Investment Fund II
A £660 million investment fund aimed at driving the growth of smaller businesses in the North by providing commercially focused finance through Smaller Loans, Debt Finance and Equity Finance.
Learn more about the Northern Powerhouse Investment Fund II
South West Investment Fund
A £200 million investment fund aimed at driving the growth of smaller businesses in the South West by providing commercially focused finance through Smaller Loans, Debt Finance and Equity Finance.
Learn more about the South West Investment FundAdditional support
ICAEW Business Advice Service
Visit the ICAEW's Business Advice Service (BAS) to connect with regulated accountants and receive a free initial consultation with no obligation.
Learn more and by visiting the ICAEW's Business Advice Service websiteInsolvency advice and support
Court claims, debt and bankruptcy guidance and information from GOV.UK.
Learn more and get insolvency advice and support from the .gov website.
What type of financing would be suitable for your business?
If you have a growing business, there’s an external finance option to match your ambition. See what forms of finance are available for your business.
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