Business Finance

Subsidised and Guaranteed Loans

Business should be enjoyable however it often becomes a chore because of financial contraints and management stress. For example, you may be asked to provide personal guarantees to support your business funding requiremnets and this it can expose you to serious personal financial risks. Your personal assets are vulnerable if the business fails!

There are other funding opportunities available which don’t necessarily require the major collateral commitment involved in personal guarantees. For example, the Department of Trade & Industry (DTI) Small Firms Loan Guarantee Scheme (SFLGS) can provide loans from £15,000 to £250,000 for a term of up to 10 years and under this scheme, the Government will effectively underwrite up to 75% of the loan. This may mean that your personal security can be kept to a minimum and in many cases no additional security is required.

Of course as you would expet,there is a plethora of small print, scheme criteria, terms and conditions etc however the good news is that Xba Finance have enormous experience of the SFLGS so you can benefit from our knowledge to maximise your chances of a successful application.

Furthermore there are other subsidised loan schemes which also enjoy public sector support and they too are designed to promote business development and regional growth programmes.



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