Recovery Loan Scheme

Government-backed support to rebuild and grow

Lending to help businesses navigating disruption stabilise cash flow, restructure and rebuild — backed by a government guarantee.

No impact on credit scoreWhole-of-market panelDedicated account manager
Term: Up to 6 yearsDecision: 48–72 hours
How It Works

How the Recovery Loan Scheme works

Designed for businesses that have faced disruption but remain viable, the scheme uses a government-backed guarantee to help lenders support recovery lending where standard criteria might not otherwise be met.

Government-backed guarantee

Reduces lender risk, helping viable but disrupted businesses access the funding they need.

Built for recovery

Specifically designed to support businesses stabilising after a period of disruption.

Flexible use of funds

Support cash flow, restructuring or investment as your business rebuilds.

Efficient process

Typical decisions within 48–72 hours through our accredited lender panel.

Options

What the scheme supports

Lending built around recovery and stabilisation, not just growth.

Cash flow stabilisation

Support day-to-day operations while your business recovers.

Restructuring

Reorganise existing borrowing onto a more sustainable footing.

Rebuilding for growth

Reinvest in the business once stability is restored.

Good To Know

When to consider recovery loan scheme

A snapshot of the situations our panel most commonly helps clients with.

  • Stabilising cash flow after a period of disruption
  • Restructuring existing debt onto more manageable terms
  • Rebuilding working capital reserves
  • Accessing lending where standard criteria weren't met
FAQs

Recovery Loan Scheme, answered

Common questions we hear most often from businesses like yours.

Viable UK businesses that have experienced a period of disruption and need support to stabilise or rebuild.

Find the funding built for your business

Speak to a funding specialist today, or check your eligibility online in under a minute — no cost, no obligation.