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
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
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
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
Momentum Music Fund
the whole UK · 0 to 9 employees · Travel and leisureThe Momentum Music Fund offers grants of £5k-£15k for artists/bands to break through to the next level of their careers.FinanceGrantLoanTerms and application → - Loan · amount on GOV.UK
Equity and Loan fund in Greater Manchester
Trading 1–2 years, Established · North West · 0 to 9, 10 to 249 employees · Manufacturing£10m investment fund to support the growth of companies in the advanced manufacturing and materials sector in Greater Manchester.EquityLoanTerms 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
Liverpool City Region Flexible Growth Fund
Trading 1–2 years, Established · North West · 0 to 9, 10 to 249, 250 to 500 employeesProviding fee free, Interest subsidised loans up to £1m, this fund can provide up to 50% of eligible capital expenditure repayable over a maximum 5 year term.LoanTerms and application → - Loan · amount on GOV.UK
Rosebud Finance - Lancashire
Established · North West · 0 to 9, 10 to 249 employeesLoans, support and advice for Lancashire businesses.FinanceLoanTerms and application → - Loan · amount on GOV.UK
Investment Fund - North of England
Trading 1–2 years, Established · North East, North West, Yorkshire and the Humber · 10 to 249 employeesFinance to help small and medium-sized enterprises (SMEs) in the North West, Yorkshire, the Humber and Tees ValleyFinanceEquityLoanTerms and application → - Loan · amount on GOV.UK
Advanced Manufacturing Supply Chain Initiative Recycled Fund - England
Established · regions: 9 · 0 to 9, 10 to 249 employees · ManufacturingLoan fund for SMEs in the manufacturing supply chain who are looking for investment to grow and support job creation.FinanceLoanTerms 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
Big Issue Invest - UK
Established · the whole UKBig Issue Invest helps social enterprises and charities by providing loans and investments.FinanceEquityLoanTerms 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
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
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
| Programme | A month | Interest | Term |
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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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