ONLYWAY.NEWShttps://onlyway.news/en/business/04.10.2026
Business support
Britain has no single “start-up grant” — it has 129 separate schemes: grants, loans and equity. A grant is not repaid, a loan is, and a third of the schemes are tied to one county or town.
What support you qualify for
- Grant · amount on GOV.UK
Better Business Finance - UK
Established · the whole UKFree, quick and easy access to a directory of approved finance suppliers for UK businesses.FinanceEquityGrantLoanExpertise and adviceTerms and application → - Grant · amount on GOV.UK
Brum Breathes Financial Incentives
Trading 1–2 years, Established · West MidlandsFinancial incentives, designed to offer support to businesses who conduct commercial operations in Birmingham, towards replacing their Light Goods Vehicle and Heavy Duty Vehicle to meet required emission standards.FinanceGrantLoanExpertise and adviceTerms and application → - Grant · amount on GOV.UK
Business loans, grants and funding - Scotland
ScotlandFinder to help businesses based in Scotland find funding from private and public organisations.FinanceGrantLoanTerms and application → - Grant · amount on GOV.UK
Duplex Investment Fund
Established · West Midlands · 0 to 9, 10 to 249 employeesCombined grants and loans towards capital purchases for your business.FinanceGrantLoanTerms and application → - Grant · amount on GOV.UK
Heart Of Bucks Grants
South EastA range of grant funds are available from £300 - £5,000 for not-for-profit community charities and voluntary groups in Buckinghamshire.FinanceGrantLoanTerms and application → - Grant · amount on GOV.UK
Innovate UK - grant funding, innovation loans and expert support
Trading 1–2 years, Established · the whole UKSupports innovative UK businesses to realise the potential of new technologies, develop ideas and make them a commercial success.FinanceGrantLoanExpertise and adviceTerms and application → - Grant · amount on GOV.UK
Key Fund - Midlands and the North of England
Trading 1–2 years, Established · regions: 5 · 0 to 9, 10 to 249 employeesGrants and loans for social enterprises in the North and the Midlands.FinanceEquityGrantLoanTerms and application → - Grant · amount on GOV.UK
Northern Ireland Business Support Finder
Northern IrelandA searchable database that can help you find publicly-funded sources of business assistance that you may be eligible to apply for.FinanceEquityGrantLoanExpertise and adviceAwardTerms and application → - Grant · amount on GOV.UK
PNE Enterprise - business support service - North East England
North East · 0 to 9, 10 to 249 employeesMentoring, start-up business courses and support schemes for businesses based in the North East of EnglandFinanceGrantLoanExpertise and adviceTerms and application → - Grant · amount on GOV.UK
South West Investment Fund (SWIF)
Trading 1–2 years, Established · South WestThe fund aims to drive sustainable economic growth by supporting innovation and creating local opportunity for new and growing businesses across the South West.FinanceEquityGrantLoanTerms and application → - Loan · amount on GOV.UK
ART Business Loans - West Midlands
Trading 1–2 years, Established · West Midlands · 0 to 9, 10 to 249 employeesLoans for new and existing small businesses to create and safeguard jobs in the West MidlandsFinanceLoanTerms and application → - Loan · amount on GOV.UK
BCRS Business Loans
Trading 1–2 years, Established · South West, West Midlands · 0 to 9, 10 to 249 employeesLoans to help small and medium-sized businesses develop and grow.FinanceLoanTerms and application → - Loan · amount on GOV.UK
Business Enterprise fund - North East England
North East, Yorkshire and the Humber · 0 to 9, 10 to 249 employeesFinancial support for small and medium-sized businesses (SMEs) in Yorkshire and the North East.FinanceLoanTerms and application → - Loan · amount on GOV.UK
Business Growth Loans - Sussex, Surrey, Suffolk, Kent, Essex, London, Norfolk, Cambridgeshire, Hertfordshire, Isle of Wight, Berkshire, Oxfordshire, Buckinghamshire and Hampshire.
Established · Eastern, London, South East · 0 to 9, 10 to 249 employeesLet’s Do Business Finance can support businesses across the South and East of England to access finance of up to £250k.FinanceLoanTerms and application → - Loan · amount on GOV.UK
Business loan scheme (CWRT) - Coventry and Warwickshire
Trading 1–2 years, Established · West Midlands · 0 to 9, 10 to 249 employeesLoans for companies in Coventry and Warwickshire that can’t get finance from mainstream lendersFinanceLoanExpertise and adviceTerms and application → - Loan · amount on GOV.UK
Enterprise programme for young people - UK
Not yet trading, Trading 1–2 years · the whole UKThe King's Trust helps young people aged 18 to 30 years who want to set up their own business in England, Scotland, Wales or Northern Ireland.FinanceLoanExpertise and adviceTerms and application → - Loan · amount on GOV.UK
Finance For Enterprise
Established · regions: 9 · 0 to 9, 10 to 249 employeesFinance for Enterprise provides loan funding across England. They offer an alternative source of finance ranging from £25,001 to £250,000 for businesses who are looking for additional capital or cashflow.FinanceLoanTerms and application → - Loan · amount on GOV.UK
First Enterprise - Enterprise Loans
East MidlandsGovernment-funded loans for start-ups and businesses looking to grow across the East and South East Midlands.FinanceLoanTerms and application → - Loan · amount on GOV.UK
GC Business Finance - North West England
North West · 0 to 9, 10 to 249 employeesStart-up loans and equity investment for small and medium-sized businesses (SMEs) based in Greater Manchester and the North West.FinanceEquityLoanExpertise and adviceTerms and application → - Loan · amount on GOV.UK
Growth Guarantee Scheme
Trading 1–2 years, Established · the whole UK · 0 to 9, 10 to 249 employeesThe Growth Guarantee Scheme is a government-backed scheme designed to support access to finance for UK businesses as they look to invest and grow.FinanceLoanTerms and application → - Loan · amount on GOV.UK
Productive Valley Fund
Not yet trading, Trading 1–2 years · London · 0 to 9, 10 to 249 employeesLoans of between £50,000 and £400,000, for projects such as premises refurbishment, building works and equipment purchases that will lead to increased productivity, job creation and business growth.FinanceLoanExpertise and adviceTerms and application → - Loan · amount on GOV.UK
SWIG Finance
South West · 10 to 249 employeesLoans for new and growing SMEs in the South West of EnglandLoanTerms and application → - Loan · amount on GOV.UK
UK Export Finance
Established · the whole UKSupports access to loans and other trade finance facilities for businesses that sell internationally via government guarantees.FinanceLoanExpertise and adviceTerms and application →
Where this comes from
The catalogue comes from GOV.UK search and refreshes every morning, last on 04.10.2026. We take no money to list anything; the decision is made by whoever runs the scheme.
Loan calculator
The monthly repayment and the total interest on a loan. Worked out in your browser. The other calculators →
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a month
principal — interest — total —
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The same amount under other programmes
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How this is worked out
On a reducing balance, the way Start Up Loans and banks do it. A “flat rate” in an advert means a real rate close to double: interest there is charged on the whole sum. Any arrangement fee is not included. Worked out in your browser.
Do you qualify for a Start Up Loan
The government start-up loan: £500–25,000 at 7.5% over up to five years, no security. It is a personal loan, not a company one — you are liable.
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What happens next
This checks the basic conditions, not the decision. Next come the business plan, the cash-flow forecast and your credit history. The scheme is run by the Start Up Loans Company, part of the British Business Bank.
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