Government Backed Loans
SME Finance Solutions
We support businesses across a wide range of SME finance sectors, from asset and vehicle finance to business loans, trade finance, government-backed lending, and invoice finance. Each funding solution is designed to meet a different commercial need, whether that is improving cash flow, funding growth, acquiring equipment, or supporting longer-term investment.
Government backed loans
What are they
Government-backed loans are business finance products supported by a government guarantee or scheme, designed to improve access to funding for eligible businesses that may not meet standard lending criteria on their own.
Who uses them?
They are typically used by small businesses, newer businesses, growing SMEs, and companies that need support accessing finance for expansion, investment, or resilience.
What they are used for?
Government-backed loans may be used for:
- starting a business
- supporting business growth
- investing in equipment or premises
- improving working capital
- refinancing in some circumstances
- helping viable businesses access lending where security is limited
The exact eligibility, structure, and terms depend on the specific scheme available at the time, but the overall purpose is to help businesses access finance that supports stability and growth.
SME finance Solutions – At a glance
- Asset & vehicle finance – Funding for equipment, machinery, cars, vans, and specialist vehicles, allowing businesses to spread the cost over time.
- Secured & unsecured business loans – Flexible business funding for working capital, growth, investment, and cash flow support, with or without security.
- Trade & supply chain finance – Finance that helps businesses pay suppliers, fund stock, and manage the gap between outgoing payments and incoming customer receipts.
- Government-backed loans – Lending supported by government schemes to help eligible businesses access finance for growth, investment, or stability.
- Buy to let mortgages – Mortgages for residential investment properties intended to generate rental income rather than owner occupation.
- Invoice finance – A way to release cash from unpaid invoices so businesses can improve working capital and maintain day-to-day liquidity.
SME Finance
We support businesses across a wide range of SME finance sectors. Each type of lending is designed for a different purpose, and choosing the right structure can make a significant difference to speed, flexibility, and long-term cost.
