Besides interest, a lender may charge other fees. They vary by lender and product, and they'll all be shown in your offer, so you can compare the full cost.
Costs you might see
- Arrangement fee: charged by the lender for setting up the facility, often a percentage of the amount.
- Valuation fee: for secured lending and commercial mortgages, to value the property or asset.
- Legal fees: for secured facilities and property, for your own solicitor and sometimes the lender's.
- Early repayment or breakage costs: some facilities charge for repaying early, particularly fixed-rate loans. See Can I repay a business growth loan early?.
- Service fees: invoice finance usually has a service fee alongside the charge on invoices funded.
- Non-utilisation fees: some revolving facilities charge on the part of the limit you don't use.
Under the Growth Guarantee Scheme
The scheme caps the upfront fees a lender can charge on a GGS facility.
Our fee is separate
bizbritain's advisory fee is set out in our engagement letter, and on advisory transactions we take no commission from lenders. See How much does bizbritain charge for a business growth loan? and Do you take commission from lenders?.
Compare the whole cost
Look at the total amount you'll repay, including fees, not just the headline rate. See How do I compare the business finance offers you find?.
Last reviewed: 8 October 2026