Buy or refinance premises
Owner-occupier commercial mortgages from £100k to £5m. Up to 75% LTV, up to 25-year terms.
Growth finance
Ready to scale, not stall.
Growth-stage businesses need finance shaped around their needs, not the bank's standard form. From £25k to £10m, bizbritain builds the facility around your next steps.
- Funding range
-
£25k –
£10m Term, asset, invoice, commercial mortgage - Specialist lenders
- 100+ Across one application
-
- Excellent From 2,050 reviews
We work case-by-case to source the right facility. We're a credit broker, not a lender.
- FCA authorised Firm ref. 727207
- British Business Bank Business Support Partner
- 14 years Sourcing SME funding
- 10,000+ businesses Funded since 2012
-
Excellent: 2,050 Reviews
What it's for
Specialist finance for the move you've already decided to make.
Whether it's stock for a new contract, premises for a second site, equipment to take on the work, or a strategic acquisition, we shape the facility around the move, not the other way around.
Equipment & vehicles
Hire purchase or finance lease for plant, vehicles, and machinery. Fixed monthly cost, asset secured.
Working capital
Bridge a stock buy, fund a contract win, smooth payroll across a gap. Term loans and revolving facilities.
Hiring & expansion
Headcount-led growth where revenue lags hiring cost. Structured to match your ramp curve.
Invoice finance
Up to 90% of invoice value, paid the same day. Selective or whole-book. Up to £5m in funding limits.
Acquisition finance
Buy a competitor, complete a management buyout, or fund a bolt-on. Cashflow-led structures up to £10m.
The specialist panel
One conversation. 100+ lenders.
The high street is one lender with one credit policy. We hold relationships with more than a hundred (challenger banks, specialist funds, asset financiers, invoice financiers, and Government-backed schemes), and we know which credit teams will say yes to your case before we send it.
- One application, the full panel. Tell us once. We pre-qualify and route, you don't.
- GGS-accredited business support partner. Government-backed Growth Guarantee Scheme loans up to £2m.
- Zero lender commission. We're paid by you, not by lenders, so the recommendation you get is the one that's right for your deal.
- One named advisor end-to-end. Not a queue, not a chatbot, not a different person each call.
How it works
Four steps. One conversation. The right structure for your next move.
Independent advisory, fixed fee schedule, zero lender commission. The same fee schedule applies whichever lender we recommend, so our advice is unbiased.
-
01 Today
Tell us your case
Five-minute call or the form below. Amount, purpose, trading history, security available.
-
02 Same working day
We pre-qualify
We work through the panel, route to the credit teams we know will say yes. No mass-shotgun applications.
-
03 48 hours typical
Indicative terms
We come back to you with the viable options that fit your circumstances and explain them in full.
-
04 2–4 weeks
Drawdown
Accept the offer, we cross the t's and dot the i's with the funder and stay by your side until you have the funds.
Eligibility
You're a strong fit if…
Growth finance is for trading businesses with a clear use of funds and the ability to repay. Tick most of the boxes below and we should be able to help.
- UK-registered limited company, LLP, or partnership. Sole traders considered case-by-case.
- At least 12 months of trading history. Two years preferred for unsecured options.
- Filed accounts at Companies House or up-to-date management accounts.
- A clear use of funds. Stock, hire, kit, premises, an acquisition. Concrete, not generic.
- Demonstrable ability to repay from trading cashflow, contracted revenue, or asset realisation.
- Director(s) aged 18+ UK-resident, with no recent unspent convictions for fraud.
- Reasonable credit profile. Adverse history is not an automatic no. Specialist lenders price for it.
- Personal or business security available for facilities above £250k. Not always required below that.
Adverse credit, short trading history, declined elsewhere?
Our specialist panel exists for cases the high street won't touch. Adverse credit, CCJs, recent restructures, short books: case-by-case is what we do.
Sub-£100,000 facilities
For any facility up to £100,000, we check Start Up Loan eligibility first. If eligible, you pay nothing. Our advisory fees only apply where Start Up Loans are unavailable for your business.
Our fees
Independent advisory at a fixed fee schedule.
We are paid by you, not by lenders. A marginal-rate fee from 3%, falling as the facility grows, with a retainer that is credited in full against the success fee at completion. If all lenders decline, no success fee is charged. bizbritain carries that risk.
-
Marginal-rate model
Each percentage applies only to the portion of your facility within that band. From £25,000 to £10m.
-
Retainer credited
Paid on signing, credited in full at completion. The only fee you pay if no lender offers you a facility.
-
Zero lender commission
We accept no introducer commission, procuration fees, or arrangement income from lenders.
Real founders
Funded for what's next.
Three growth-stage businesses that came to us when their bank's facility was the wrong shape.
Photo coming soon
Charles Cox, South East
Charles Cox, South East
Charles Cox Facilities Management, South East
£60,000 Post MBI cashflow
Photo coming soon
Lixnae Education, London
Lixnae Education, London
Lixnae Education Education franchise, London
£95,000 Working capital
Photo coming soon
Sarah’s Hire, West Midlands
Sarah’s Hire, West Midlands
Sarah’s Hire Portable Toilet Hire, West Midlands
£90,000 Expansion
Latest 5-star reviews on Trustpilot
What founders say after we've delivered.
Read every review on our Trustpilot profile.
Excellent
2,050 reviews
An easeful startup loan application
My experience with applying for a startup loan has been absolutely seamless. My advisor Suhail was very supportive & informative throughout the whole process. Responses were efficient each time I had questions and needed help with anything. A big thank you to Suhail and the BizBritain team for your support with getting my business loan.
Five-Star Service and Seamless Support from Start to Finish
I had a fantastic experience working with BizBritain to secure a government business start-up loan. From start to finish, the entire team was exceptionally helpful, professional, and supportive. Their communication throughout the process was excellent—always prompt, clear, and informative. They kept me fully updated at every stage, answered every question thoroughly, and made the whole funding process smooth and straightforward. I highly recommend BizBritain to any new business owner looking for clear guidance and funding support. Thank you to the team for your outstanding service!
Great business advisor
My business advisor was Karl Willets throughout the process and he went above and beyond to assist me in my applications, genuinly a great company
I had a great experience with kirat Singh
I had a great experience with BizBritain. Kirat Singh was professional, responsive, and helpful throughout the entire Start Up Loan process. He explained everything clearly, answered all my questions, and kept me updated at every stage. Thanks to his support, my loan was approved successfully. I would highly recommend BizBritain and Kirat Singh to anyone looking for help with a Start Up Loan. Thank you for all your support!
Brenda Wilson was very helpful
Brenda Wilson was very helpful. She really helped me with the documentation required for the loan, I found it all quite overwhelming, but Brenda reassured me every step of the way and advised on the type of documents that I had to supply. In the end our business was granted the financing it needed to continue growing.
FAQs
The questions we hear every week.
If your question isn't here, fill out the form and a bizbritain advisor will answer it the same working day.
How much does bizbritain charge?
Our advisory 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. A retainer of £500 to £5,000 (depending on facility band) is paid when you sign the engagement letter and credited in full against the success fee at completion. The success fee is only payable on drawdown.
Do you take commission from lenders?
No. 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. Our full commission policy is published here.
What happens if my application is declined by all lenders?
If no lender offers you a facility, no success fee is charged. 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 up to that point; the retainer is the only fee paid in that scenario.
How long does the process take?
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.
How much can I borrow?
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.
What's the interest rate?
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. Your indicative offer will quote the rate explicitly.
What is the Growth Guarantee Scheme?
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. bizbritain is an accredited business support partner.
Will applying affect my credit score?
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.
My business has adverse credit. Can you help?
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.
Will I have to give a personal guarantee?
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.
Tell us about your case
Send us the brief. We'll come back to you the same working day.
A named bizbritain advisor will be in touch the same working day to talk through your case. Submitting this form is an enquiry, and it does not affect your credit score.
Looking for acquisition finance instead? Read about finance to buy a business.
Representative Example
Borrowing £250,000 over 5 years at 9.9% APR (variable, illustrative) on a Growth Guarantee Scheme-backed term loan results in monthly repayments of approximately £5,300 and a total amount repayable of approximately £318,000. Actual rates depend on lender, security, and credit assessment. This example is for illustration only.
- Monthly repayment
- ~ £5,300
- Total repayable
- ~ £318,000
- Representative APR
- 9.9% var.
bizbritain is a business support partner of the British Business Bank, delivering Start Up Loans and Growth Guarantee Scheme finance as part of a network of business support partners.
BizBritain Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA) for credit brokerage activity (Firm Reference Number: 727207). We are also registered with the Information Commissioner's Office (ICO) for the processing of personal data (Registration Number: ZA062551). BizBritain Finance Limited is incorporated in England and Wales (Company Number: 08354773). Our registered office is Level 18, 40 Bank Street, Canary Wharf, London E14 5NR.
bizbritain finance acts as a credit broker, not a lender. We do not make credit decisions, and we do not lend to customers directly. Instead, we introduce customers to lenders and other finance providers. Some of the products we offer are regulated by the FCA, while others (such as finance for limited companies) are unregulated. Consumer credit products are subject to FCA rules, while unregulated finance does not offer the same protections.
We may receive a commission or fee from lenders or finance providers for introducing customers. This does not affect the interest rates or terms you are offered. You are under no obligation to use our services or accept any product shown to you.
All calls are recorded for training, monitoring and compliance purposes. Complaints: complaints@bizbritain.com · Complaints Policy · Privacy Policy · Cookie Policy · Terms of Use · Terms of Business.