£2m to £10m
Growth credit
You have a proven business model and are ready to scale
Let’s accelerate your growth trajectory
If you are looking at options to fuel the next stage of your business’ growth journey, growth credit could help you realise your vision.
Structured to give you a flexible use of funds, tranches drawn down throughout the term of the loan and access to capital without diluting equity, growth credit is an attractive alternative to traditional bank loans and equity capital.
Used to invest in R&D, M&A activity, expansion and many other growth initiatives, growth credit is ideal for businesses with ambitious growth targets in a wide variety of sectors.
A great fit if you require:
Flexibility
Invest in a variety of growth initiatives including R&D, expansion, Capex and M&A, with tranching available to suit your needs
Growth headroom
Typically up to 12 months interest-only period, with capital and interest amortising over the remaining term
No loss of control
Covenant-lite funding that doesn’t dilute your equity

Growth credit looks a good fit for my business: What’s next?
The first step towards accelerating your growth is submitting a funding enquiry.
All enquiries submitted to Growth Lending are processed by people, not machines, so you can be certain that a member of our team will work to understand your unique requirements
To help us get things moving quickly, ensure you have key information ready such as your targets, how you plan to achieve them, details of your management team and your most important clients. As a responsible investor, we will also consider how your business aligns to our Environment, Social and Governance (ESG) principles.
Once we have all this information, we’ll be able to assess whether we’re a good fit for your needs and how much we’ll be able to lend. We can then have further discussions with your management team to tailor the loan to your specific needs.
When everyone is happy, we will issue a term sheet, summarising the details of the loan. The deal will then go through our due diligence process and when it has been approved, you will be eligible to draw down the funds and implement your growth plans.
Check your eligibility and get the process started below.
Enquire now
Ready to get growth going? Let’s see how we can support you.
Access more cash, at an earlier stage than what is offered by non-specialist lenders
Maintain control with a covenant-lite facility and no equity dilution
Partner with a high calibre team, experienced at lending to high growth businesses
FAQs
View all FAQsGrowth credit is a type of growth capital that is designed to accelerate the growth of a business. It is usually structured as a line of “credit” that is repaid over a set period of time – hence the name.
Growth credit from Growth Lending ranges from £2m to £10m and can be drawn down in tranches throughout the term of the loan – usually three to five years. This makes growth credit a flexible option that can be used for a variety of growth initiatives including M&A, investment in R&D, expansion and refinancing.
This type of capital is non-dilutive and is ideal for companies with ambitious targets for growth (whether organic or acquisitive) and can be used to support firms operating in a variety of sectors.
The term “growth loan” covers a wide variety of financial instruments that are used to support a business’ growth.
There are many types of growth loans, but at Growth Lending, we structure these as an extension of credit, which is drawn down and repaid over a set term (usually three to five years). For this reason, this type of growth loan can be referred to as both a “term loan” or “growth credit”, referencing the period of time that the loan will be repaid and the nature of the use of funds.
You can find more information about the different types of growth loans here.
Growth credit can be used for a variety of things, but growth credit from Growth Lending focuses on supporting strategies for accelerating growth.
Popular reasons to borrow include:
- M&A
- Investment in R&D
- Growing sales and marketing functions
- Fulfilling a new contract
- National or international expansion
- Refinancing an existing loan
To secure growth credit from Growth Lending you must have a proven business model with revenues of more than £2m. Your business must be registered in the UK, have a trading history of more than 12 months and operate a B2B business model.
Our growth credit is most suitable for businesses that are growing quickly and while most sectors will be considered, we have a strong track record of working with technology, media and telecommunications (TMT) businesses, as well as those in the healthcare / health tech and professional services sectors.
Profitability is not essential, but you should be able to demonstrate how your business will get there.
Usually, a personal guarantee is not required for growth credit from Growth Lending. Instead, we secure growth credit via a debenture, enabling your business to access capital without providing collateral or diluting equity.