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.

Our programmes

Start Up Loans

Over 105,000 business ideas supported with more than £1 billion worth of loans. We offer low-interest personal loans and free mentoring to help you start or grow a new business.

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Open for applications

Recovery Loan Scheme

Find out about the Recovery Loan Scheme offered through accredited lenders, how it works and the key features of Recovery Loans.

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New Programme

The Growth Guarantee Scheme

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 will launch with accredited lenders on 1st July 2024.

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Open for applications

British Business Bank Referral Scheme

Our platform helps businesses by referring them to the right lender when they have been unsuccessful in finding a lending facility. Learn how we can help.

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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.

Nations and Regions Investment Funds

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.

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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.

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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.

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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.

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Midlands Engine Investment Fund II

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.

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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.

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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.

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Additional 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.

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Insolvency advice and support

Court claims, debt and bankruptcy guidance and information from GOV.UK.

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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.

Explore finance types