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Fund your business through the Small Firms Loan Guarantee Scheme...

Why SFLG Finance

It can be hard work, time consuming and demoralising for you to contact all the Banks yourself.

We have access to all the major High Street Banks and all the other Lenders who operate under the Small Firms Loan Guarantee Scheme. This means we can take the pain away for you and get your proposals in front of the right Lenders.

You get truly independent financial advice

As we are not tied to any lender or specific financial institution, we are able to offer impartial advice. Our recommendations are on the basis of what is best for the Client's needs and is not driven by short term sales targeting.

Large Funder Base means high acceptance rates

The Company has access to a large lender base of broad spectrum funders. The fact that we have such a diverse range of Funders means that we can help get almost any deal placed. If a deal can be done, we can do it!

Led by experienced Business Professionals - We understand your needs

Our Shareholders, Directors and Partners are all experienced business professionals with a broad ranging commercial experience. We have all had to raise finance ourselves in our careers, and so understand the process and frustrations that business owners face.

We also understand that you may need support in other core areas, which is why we work closely with Strategic Planning Solutions Ltd (SPS) throughout the UK. Through this network of Business Professionals, we are able to offer you Consultancy and Growth Strategies Services to support your business when you need it most.

Success Based Fees - You only pay when we get you the result you need

When we work for you it is either on a fixed price basis, or is results driven. This means that it is in our interest to get you the results you need. For most of the finance & funding products we offer, we only get paid when the business is concluded.

Small Business Experts (SME) - We know the pressures of running a business today

We focus our attention on supporting business like yours in the SME Sector. This means that we really do understand your business needs and match our services to your specific requirements.

Free Advice & Business Support - Winning tips and advice at no cost

We offer Free Advice, Tips and support through our relationship with SPS, to all Clients. The advice we give would cost £1000's normally, but is FREE to our Clients.

The Government Small Firms Loan Guarantee Scheme explained...

This is a scheme that was originally introduced by the government in 1981. The purpose of the SFLGS (or Small Firms Scheme as it is also known), is to help businesses that do not have sufficient security to attract conventional bank lending to get the funds they need.

It was originally administered by the DTi, but is now managed by BERR (Department of Business Enterprise & Regulatory Reform). There have been several "rule changes" over the years, the most recent being as a result of the Graham Review carried out by Lord Graham in 2004.

Very simply, this is how the scheme works:
  • You have a sound and viable Business Proposition
  • A Funder agrees to lend but you lack sufficient security
  • You meet the Scheme eligibility criteria
  • The Lender then looks to the SFLGS to provide a 75% guarantee
  • The decision to lend is made by the Lender — NOT the government
  • Commercial Terms are agreed between you and the lender — the government does not set these
  • You can borrow from £5,000–£250,000 from between 1–10 years
  • Capital Repayment holidays can be negotiated
  • A fee of 2% p.a. is payable to the BERR for providing the guarantee
  • Funds can be in your account within a few weeks of application
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