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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.

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Our programmes

Open for applications

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.

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Open for applications

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.

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Open for applications

FinTech

We are continuing to engage actively with market participants, seeking appropriate opportunities in the FinTech alternative lending sector.

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Open for applications

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

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Open for applications

ENABLE Programmes

Find out about our ENABLE Programmes and how we support financial institutions to unlock more lending for smaller businesses.

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Open for applications

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.

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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 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 Midlands 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

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

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