Start-Up Loans

Government-backed loans designed to help new businesses get off the ground.

What It Is

The Start-Up Loans scheme is a UK government-backed initiative offering personal loans (for business purposes) to new entrepreneurs. It’s designed to make funding accessible to those who may not qualify for traditional bank loans.

Benefits

  • Fixed interest rate (currently 6% per year).

  • Borrow between £500 and £25,000.

  • Repay over 1–5 years.

  • No early repayment fees.

Considerations / Risks

  • Loan is personal (you’re personally liable for repayments).

  • Approval depends on credit checks and a viable business plan.

  • You’ll need to commit to regular repayments even if your business takes longer to grow.

Use the Official Template

We work directly with the Start-Up Loans official business plan template so your application is in the right format from the very start.

How We Help

Build a Loan-Ready Plan

Together we create a clear, professional business plan that fits the scheme’s requirements.

Prepare Your Cashflow Forecasts

We help you complete detailed financial projections that show your ability to manage repayments.

Guide You Through the Application

Step-by-step support on a video call to make sure your submission is complete and accurate.

Proven results in funding support

From business plans to lender approvals, our track record speaks for itself.

Is a Start-Up Loan right for you?

If you’re unsure, let’s talk it through. Book a free discovery call and we’ll guide you through the process and explore all your funding options.