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EFG Finance


Small businesses that have viable business plans, but lack the security needed to get a loan, now have access to the Enterprise Finance Guarantee. Talk to a Local Business Manager to find out if you could benefit from this government scheme.

More information


Your business will need to meet certain criteria to be considered for the Enterprise Finance Guarantee Scheme:

  • Operate in the UK
  • Have a turnover (or group turnover) of less than £41 million a year

Your business must operate within an appropriate sector. Almost all sectors are eligible – the only exclusions that apply are due to EU State Aid rules, i.e. aid for export, agricultural, coal, fisheries or transport businesses. Find out more about which sectors are supported and excluded.

We make the decision as to whether a small business is eligible for EFG.

If we can offer finance on normal commercial terms without the need to make use of EFG, we will do so.

If a small business has a sound borrowing proposal but no or inadequate security, we will consider support via the EFG programme.

Please note, the guarantee is to us, not the business which borrows the money. The business is fully liable for the repayment of the loan.

Additional reading

Find out more about the Enterprise Finance Guarantee Scheme

Loan amounts

The loan amounts considered will be between £25,000 and £1,200,000.

Get all the details on the Enterprise Finance Guarantee Scheme

Download our PDF to read when you like - it contains all the ins and outs of the Enterprise Finance Guarantee Scheme:

Guide to the Enterprise Finance Guarantee (PDF) (5KB)

Our Service Relationship with Business Customers (PDF) (1.1MB)

The Enterprise Finance Guarantee programme is managed by the British Business Bank on behalf of, and with the financial backing of, the Secretary of State for Business, Energy and Industrial Strategy.

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