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Find out if you are eligible
Growth Guarantee Scheme
If your business is seeking flexible finance to manage cash flow, invest in growth, or offset rising global tariff costs, the Government-backed Growth Guarantee Scheme (GGS) offers a powerful way to access the support you need. Facilities from £25,000 to £2 million are available through accredited lenders, each backed by a 70 % government guarantee that gives lenders the confidence to fund smaller businesses across the UK. Loan terms are available for up to six years, with specific terms depending on the lender and product type.
While the GGS is widely used to support working capital, investment in equipment, or navigating economic changes, it’s also become a highly effective tool for funding business acquisitions. At Bespoke, we have successfully helped many clients use the GGS to structure and secure funding for acquisitions, making the most of this often underutilised route to business growth.
Do I Qualify?
You may be eligible for the Growth Guarantee Scheme if your business:
- Trades in the United Kingdom and meets the lender’s standard credit criteria
- Requires funding for legitimate business purposes (e.g. cash-flow support, capital expenditure, expansion)
- Is not in insolvency proceedings
Lenders may still request security or personal guarantees for larger facilities; specific requirements are set by each provider.
Broad eligibility
The Growth Guarantee Scheme is designed to support UK SMEs with a turnover of up to £45 million (on a group basis). A wide range of business types and sectors are eligible to apply, subject to the lender’s standard credit and fraud checks.
Strengthen your cash flow
A Growth Guarantee Scheme loan can bridge the gap between paying suppliers and receiving customer payments, absorb currency fluctuations and help you act quickly on new opportunities, all without tying up existing working capital.
Suitable for Management Buy-Outs and By-Ins
Management Buy-Outs and Buy-Ins are increasingly being funded through the Growth Guarantee Scheme, offering a practical route to take ownership of a business without the need for extensive upfront capital. When structured correctly, this can be a highly effective and tax-efficient way to secure funding for acquisitions.
Bespoke’s expertise
We understand the intricacies of the Growth Guarantee Scheme and how to tailor it to suit complex funding needs. Our expertise allows us to unlock the scheme’s full potential for our clients, whether for traditional business support or acquisition finance.
The Application Process
Facilities are delivered by accredited lenders who conduct their own credit assessments. To speed up approval, you should be ready to share:
- Recent management accounts and forecasts
- Details of existing borrowing
- Evidence of trading history and profitability
Testimonials
What our clients say
“I have worked with Bespoke for several years now and have built up a very trusting relationship with the team. They’re always professional, deal with customers very fairly and ensure they’re offered the most effective solutions to meet their needs. I have no reservations in dealing with Bespoke and their abilities to provide suitable solutions for customers.
— Scott Campbell
Head of Barclays Business Sales
I have recommended Bespoke’s services to a number of our clients, both that have existing factoring facilities and also to clients who are looking at their financing options. The service provided has always been exceptional and the feedback from these clients has been nothing but praise. I would therefore highly recommend the Bespoke team.
— Tim Pearce
Managing Partner, Haines Watts
We contacted Bespoke as we were looking for an invoice finance facility to support the business due to our fast growth. They didn’t disappoint! They gave us first-class advice and support and within a week had provided us with a choice of competitive funding options. Bespoke worked with us through the decision process and helped us secure a finance facility which was ideal for our business and offers the flexibility for future growth. A-first class service throughout.
— Paul Davison
Director, Nutraformis
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Please do not hesitate to get in touch. We look forward to hearing from you.