Ready to scale, not stall.

On advisory transactions, our fees follow a marginal-rate model. On the first £250,000 of your facility we charge 3%, falling to 2.5% on the next £250,000, 2% to £1m, 1.5% to £5m, and 1.25% on the £5m–£10m band. You pay nothing unless a lender issues an Agreement in Principle (AIP) and you sign our engagement letter, which we issue once a lender has issued an AIP. A retainer of £500 to £5,000 (depending on facility band) is then payable on signing. It's non-refundable once paid and credited in full against the success fee at completion. The success fee is only payable on drawdown. There are no abort fees on growth finance.

Not on advisory transactions. bizbritain accepts zero introducer commission, procuration fees, or arrangement income from lenders on any advisory transaction. We are paid by you, not by lenders — which means we recommend the right lender for your deal, not the one that pays us the most. Simple deals that need no advice, such as a straightforward unsecured loan, a credit card or invoice finance, may attract a commission from the lender. On those deals you pay us no fee, and we disclose the commission in writing, with the amount, before you proceed. Our full commission policy is published here.

If no lender issues an Agreement in Principle (AIP), or you choose not to sign our engagement letter, you pay us nothing. If you've signed and your facility doesn't draw down, no success fee is charged and the retainer is the only fee. You keep the work product — financial analysis, cashflow model, lender proposal — and you keep our findings on why the market declined. bizbritain carries the time and expertise risk alongside you.

Most growth facilities complete within four to twelve weeks from engagement letter to drawdown, depending on facility size, information availability, and lender response times. We give you a realistic timeline at the end of the initial conversation.

From £25,000 up to £10,000,000. The right amount depends on your purpose, trading history, security available, and the lender we route you to. We'll come back with two or three options at different scales so you can compare.

Yes. Trade, stock and import finance sit inside our growth finance panel: facilities that pay your suppliers up front, consignment and supplier-finance top-ups, and revolving lines that bridge the gap between paying for stock and getting paid for it. Specialist trade lenders assess the transaction itself, so a strong order book can unlock funding even when the headline numbers look tight. Send us the case and we'll map it to the right structure.

Rates vary by lender, product, term, and security. As a guide: GGS-backed term loans currently range from around 8–14% APR, asset finance from around 7–12%, and invoice finance from around 2–4% per invoice plus a service fee. Merchant cash advances are the exception: they're priced on a factor rate rather than an interest rate, and business MCAs are usually unregulated. Your indicative offer will quote the rate, or the effective cost, explicitly.

The Growth Guarantee Scheme (GGS) is the British Business Bank's successor to the Recovery Loan Scheme. It provides a 70% Government-backed guarantee to lenders on facilities up to £2m, which often unlocks a yes for businesses that wouldn't fit a standard commercial credit policy. The scheme runs until 31 March 2030. bizbritain is a British Business Bank Business Support Partner and works with GGS-accredited lenders.

Submitting your details on this page is an enquiry, not a formal application. It does not affect your credit score. A formal application later in the process may involve a hard credit check by the lender we introduce you to. We'll always tell you which checks happen, and when, before they happen.

Often, yes. Specialist lenders price for credit risk and look at the case as a whole, including recent management actions, trading momentum, security, and the deal structure. Send us the case and we'll tell you honestly whether we can help and at what kind of rate.

For most facilities above £25k a director's personal guarantee is standard. The amount, scope, and any property charge vary by lender. This is one of the key trade-offs we'll walk you through when comparing options.