Start-Up Loans are government-backed finance for your entrepreneurs. The scheme currently has more than £100 million with which to finance new businesses run by those between the age of 18 and 30.ministered by a number of delivery partners across the country. In addition to finance, successful applicants receive 12-months of free mentoring and exclusive business offers to help them succeed.

Start-Up Loans are personal loans. In practice, this means that if you want to start a business in partnership with others, you may each be eligible for a loan. They are paid back over a maximum period of five years, and interest is charged at a fixed rate.

Start-Up Loans scheme offers a comprehensive mentoring process. When you apply for the scheme you will be paired with your local delivery partner, who will guide you through the application.

Apply for a start up loan today.

Apply for loan

Calculate your repayments

Government backed startup loans available for upto 5 years, upto GBP 25000 and a fixed interest rate of 6%

Required amount ( upto £25000) 25000
Period (months) 12
Startup Loans Interest (fixed 6%) 6
Monthly Repayments

Total Interest

Payable Amount

Interest Percentage

Eligibilty for Start Up Loan Application

Over 18 years old

UK Resident

Legal Right to Work in the UK

Your business is based in the UK

Pass Personal Credit Check

Viable Business Idea

Frequently Ask Questions

Your first step is to register your interest directly through Start-Up Loans. In order to do this you will have to provide basic details such as your name and address, your employment status, and, if applicable, some basic information about your proposed business. Once you have done this, your details will be passed onto your local delivery partner, who will then get in touch about the next steps.

Most business types are eligible to be funded with a Start Up Loan, however we are not able to support the following business types*:

  • Weapons
  • Chemical manufacture
  • Pornography
  • Drugs
  • Illegal activities
  • Banking and money transfer services
  • Private investigators that do not hold the appropriate licence
  • Gambling and betting activities
  • Property investment
  • Agents for third parties, where a third party earns the majority of the revenue or you would only be earning a commission

A poor credit history will not necessarily prevent you from securing a Start Up Loan; however, it is certainly a factor that will be considered as part of our assessment process.

These include, but are not limited to, the following:

  • You are filing for or currently bankrupt or on a Debt Relief Order (DRO)
  • You have an outstanding Individual Voluntary Agreement (IVA) or Trust Deed
  • You are on Debt Management Programs or Debt Arrangement Schemes (DAS)
  • You have an outstanding County Court Judgement (CCJ)