Skip to main content

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
Trustpilot
Excellent From 1,985 reviews
Get growth finance Talk to an advisor

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
  • Trustpilot Excellent: 1,985 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.

Buy or refinance premises

Owner-occupier commercial mortgages from £100k to £5m. Up to 75% LTV, up to 25-year terms.

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.
Tell us about your case

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.

  1. 01 Today

    Tell us your case

    Five-minute call or the form below. Amount, purpose, trading history, security available.

  2. 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.

  3. 03 48 hours typical

    Indicative terms

    We come back to you with the viable options that fit your circumstances and explain them in full.

  4. 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.

Send us your case anyway

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.

Check Start Up Loan eligibility →

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.

Calculate your fee Read our commission policy

Real founders

Funded for what's next.

Three growth-stage businesses that came to us when their bank's facility was the wrong shape.

Charles Cox Facilities Management, South East

£60,000 Post MBI cashflow

Lixnae Education Education franchise, London

£95,000 Working capital

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 1,985 reviews

Helpful and supportive all the way

Having submitted a loan application through BizBritain, Karen Sawyer was assigned to us to assist and process the application. Karen was very thorough and kept us up to date with progress of the application as it went through the various stages of approval. The portal to upload documentation is easy to use and Karen would send messages through this to communicate with us. Overall a very easy process and great support from Karen. Thank you very much!

Application nightmare, managed exceptionally

Our experience applying for a startup loan was long, complicated and at times frustrating but for the assistance of Emily Lynch. Emily was helpful when we didn't understand an issue, sought solutions for us when we came up against complications and stayed in touch constantly to make sure our application didn't time out. I cannot thank Emily enough for her assistance throughout the process.

I worked with Brenda Wilson from…

I worked with Brenda Wilson from BizBritain for my first Start Up Loan, and it was a great experience. Brenda was incredibly helpful, professional, and supportive throughout the process. She made everything easy to understand and provided excellent guidance from start to finish. I would highly recommend her services.

Excellent support throughout my Start-Up Loan application

I worked with BizBritain for my Start-Up Loan application and had a fantastic experience from start to finish. My Loan Proposer, Victoria Fox, was professional, thorough and genuinely supportive throughout the entire process. When the initial loan amount needed to be reviewed, Victoria helped me put forward a clear and well-reasoned case which resulted in a positive outcome. That kind of personal advocacy made a real difference. The process was well structured and clearly communicated at every stage, I always knew what was needed and what to expect next. If you are considering a Start-Up Loan I would not hesitate to recommend BizBritain. A team that truly wants to see you succeed."

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.

Prefer to talk first? 0808 501 3007 · Mon–Fri 9–6.

By clicking ‘Get growth finance’ you'll receive an email confirming the next steps. We do not run any credit check at the enquiry stage; any later checks will be disclosed before they happen. See our Privacy Notice.

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.