Growth Guarantee Scheme

Secure Government-Backed Finance Without Sacrificing Strategy

Designed to support UK SMEs who might otherwise be declined, the Growth Guarantee Scheme (GGS) unlocks up to £2 million in capital with fewer security hurdles and more flexibility.

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Quick Snapshot

Borrowing Range

£25,000 – £2,000,000

Term

3 – 72 months

Guarantee

70% backed by UK Government

Interest Rate

Typically 8% – 16%

Security

PGs allowed; home protected

Product Types

Loans, RCFs, Asset & InvoiceFinance

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What Is the Growth Guarantee Scheme?

Launched in 2024 as the successor to the Recovery Loan Scheme, GGS helps viable UK businesses access finance when traditional lenders might say no.

With a 70% government guarantee on eligible facilities, lenders can offer more inclusive terms.
The business remains fully responsible for repayment.

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    Is the Growth Guarantee Scheme Right for Your SME?

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    Higher approval odds as lenders face lower risk
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    Multiple funding types: term loans, invoice finance, asset finance
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    Larger facilities up to £2m per business group
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    Safer PGs with your home excluded from claims
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    Is it right for me?

    Best when you:
    Have seasonal or uneven revenue
    Need working capital you can control
    Want to avoid multiple applications
    Think twice if:
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    Need a single upfront sum (consider Fixed-Term Loans)
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    Can’t confidently manage short-term repayments
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    Why Businesses Choose Risecap

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    Smart Platform, Human Touch – AI does the heavy lifting. Experts guide you.
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    300+ Products Mapped by Criteria – Not just quotes. Strategic fits.
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    Negotiated Terms – We understand how lenders think and structure deals that land.
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    Full Transparency – No pressure. Clear costs upfront.
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    Tracked in One Portal – Upload once. Monitor everything. Stay in control.
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    Share deal summary and accounts

    Complete a quick Funding Finder form or call straight through.

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    Platform matches you to suitable lenders in minutes

    Our AI matching engine surfaces your best lending options and our experts guide you through.

    Risecap

    We structure, negotiate and finalise the terms

    We align the funding to your goals, with real-time tracking inside your Risecap portal until the funds land in your bank.

    How It Works

    Freqently asked questions

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    What products are covered?

    Term loans, invoice finance, RCFs and asset finance from GGS-accredited lenders.

    Is this just for startups?

    No. It’s aimed at established SMEs who may lack traditional security or trading length.

    What’s the maximum I can borrow?

    Up to £2 million per business group (£1m in Northern Ireland).

    What do I need to apply?

    Bank statements, filed and management accounts, and a short use-of-funds summary.

    Ready to Access Flexible, Government-Backed Capital?

    Find Funding