Enterprise Finance Guarantee

When you’re a small business with big plans.

Maybe you need a cash injection to get your business off the ground. Perhaps you’re ready to take things to the next level. Perhaps it’s time to expand operations into other markets. Or it could be that it’s time to invest in new equipment or premises.

Key Features

  • If your turnover is under £41 million, and you meet our scheme criteria, you may qualify for Enterprise Finance Guarantee (EFG) funding.
  • Borrow from £25,001 to £600,000 over one to 10 years or,
    from £600,001 to £1,2 million over one to 5 years
  • Variable or fixed interest rates* available.

Finance selector

A useful tool to help you find out which of our finance options may be right for your business.

Launch selector

* There is always a possibility that interest rates may go down leaving a fixed rate mortgage at a higher level compared to a variable rate mortgage. However, if interest rates rise, a fixed rate mortgage will remain at the same rate.

ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.

Our commitment to Scottish business

We're committed to helping Scottish businesses grow and develop by giving them the support they need – our Business Charter will tell you more.