The Growth Guarantee Scheme can support access to finance for eligible UK businesses through accredited lenders. The government guarantee supports the lender; it does not remove the borrower’s obligation to repay.
How it works
The scheme can support several types of facility, including loans, overdrafts, asset finance and invoice finance. The lender decides whether the business and proposal meet its credit requirements and the scheme rules. It is not a grant or automatic entitlement.
What to consider
- The business remains liable for 100% of the debt, despite the lender’s government-backed guarantee.
- Security and personal guarantees may apply, subject to the scheme rules and lender’s terms.
- Compare an ordinary commercial offer as well as a scheme-backed facility.
- Costs, limits and eligibility should be confirmed with an accredited lender.
What to prepare
The purpose of the funding, accounts, current trading figures, forecasts, existing debt and details of other relevant public support. A viable repayment plan remains central.
We can help explain the financial information behind the proposal. Swoop can confirm whether a suitable participating lender and product are available for your circumstances.
Read the current official guidance. Scheme rules and availability can change.
How Greystone can help
We can help you understand the figures and consider the effect on your business and the family behind it. Where detailed forecasts, calculations or application support are needed, we will agree the scope and any fee with you first.
Explore your next step
Start an enquiry with Swoop, or contact Greystone for a free initial conversation.
The portal opens on Swoop’s website. Swoop can confirm available products and the appropriate specialist route. An enquiry is not a funding offer.
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Prepared by Greystone Advisory using Swoop product information; reviewed October 2026. General information, not a personal recommendation. Greystone is not a lender. Funding is subject to eligibility, assessment and terms. We may receive commission from Swoop following completed funding. Specialist legal, tax or regulated advice may be needed for your circumstances.
