Growth & Expansion Finance

Debt funding for the next stage: new sites, more capacity, new markets or a bigger team. We structure growth facilities around your plan and your cash flow, drawing on the banks, growth lenders and specialist funds on our extensive panel.

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See what it funds
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Corporate Finance/Growth & Expansion Finance
Funding from £25k to £25m+
Funding solutions tailored to your business and objectives
1 to 10 years
Typical term
Extensive lender panel
Access to high street, challenger, specialist and alternative lenders
Use Cases

What can growth finance be used for?

Growth costs money before it makes money. The right facility bridges that gap without giving away equity, and repays from the revenue the investment creates.

New commercial, retail and office space available to lease
New premises and sites

Opening a second location, moving to larger premises or rolling out a multi-site model, including fit-out, deposits and the working capital to trade until the site matures.

Factory workers checking machine systems on the production line
Capacity and capability

New production lines, warehousing, technology platforms or vehicles that let you take on more work, delivered as a single facility or blended with asset finance.

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New markets and products

Export, a new product line or a service launch, where the spend on people, stock and marketing runs ahead of the revenue by months rather than weeks.

Team at work in an open-plan office
People and infrastructure

Senior hires, sales teams and the systems behind them. Lenders will fund headcount growth when the plan shows how each hire pays for itself.

Our Process

How growth finance comes together

Three steps, one adviser throughout. We tell you what to expect at each stage and what we need from you.

1
30 minutes · No obligation

Discovery call

We talk through the plan, the investment required and the timing, and give you a view of how much debt the business can carry, which lenders fit and what the structure should look like.

You bring: your last filed accounts, a summary of the growth plan and a rough idea of the total investment and its timing.
2
Typically 2 to 3 weeks

Lender terms provided

We build the funding proposal, including a forecast that lenders can test, and bring back terms to compare on amount, drawdown profile, repayment holidays, cost and covenants.

You bring: management accounts, a three-year forecast with assumptions, and detail on any security or existing lending.
3
Usually 4 to 8 weeks, depending on structure

Funds issued

Once you choose the terms, we manage due diligence, documentation and any staged drawdowns, and stay alongside you as the plan is delivered.

You bring: signed documents and the information requests that arise during due diligence. We coordinate the process.
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Will Roberts, Managing Director Corporate Finance at Ramsay & White
Eligibility

What lenders look at

Growth lending is a bet on the plan as much as the past. Lenders want a business that is already working and a credible case for why more of it will work too. Four things shape the terms you are offered.

Track record

Consistent, profitable trading for at least two years. Lenders fund growth from a position of strength, so the current business needs to stand up on its own.

The plan and the forecast

A clear use of funds, realistic assumptions and sensitivities that show the business can still service the debt if growth arrives later than planned.

Funding structure

How much of the plan is debt, how much is your own cash or retained profit, and whether the timing of drawdowns matches the timing of the spend.

Security and guarantees

What the business can offer by way of security, whether the directors will guarantee the facility, and how much the lender is relying on cash flow alone.

Common structures

Term loan, revolving facility or growth debt?

Three structures cover most growth funding. The right one depends on whether the spend is a one-off or ongoing, how much cash flow cover you have and how much flexibility you need in the early months.

Term loan
Lump sum, repaid over the term
Revolving credit facility
Draw as the plan needs it
Growth or mezzanine debt
Larger amounts, cash flow led
Best suited to
A defined project with a known cost
Phased spend or working capital that grows with sales
Ambitious plans where senior debt alone is not enough
Repayment
Monthly, often with an initial capital holiday
Interest on drawn funds, limit reviewed annually
Interest during the term, capital at the end or on refinance
Cost
Lowest, priced on security and trading
Rate plus commitment fee on the undrawn limit
Higher rate, sometimes with a small equity element
Security
Debenture and often a personal guarantee
Debenture and often a personal guarantee
Second-ranking security, cash flow covenants
Best for
Fit-outs, equipment, a new site
Stock, marketing and headcount that scale with revenue
Multi-site roll-outs and step-change growth

*Indicative only. Structures, pricing and covenants depend on the lender, the plan and your trading position.

Not sure if growth finance is the right fit? See also:
Acquisition finance
Asset finance
All corporate finance services
Will Roberts, Managing Director Corporate Finance at Ramsay & White

Get growth finance terms

Tell us about the plan and the investment it needs, and one of our corporate finance advisers will call you back, usually the same working day.

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Client Testimonials

Hear what business owners and property investors say about working with Ramsay & White.

Worked for Joel and the whole team for over 4 years now. Residential, commercial and bridging finance. Always super professional, quick, efficient, helpful and on the end of a call anytime. Highly recommended and we see them as an extension of our own team.

Steven Pardoe

Outstanding, efficient and effective service by Will and Joel. Regular updates, clear and precise. Highly recommended for a smooth, friendly professional service for your lending requirements and financing advice.

Steve Dury

Have worked with Paul and Rachel on several transactions. They have always been extremely knowledgeable, highly responsive and provided excellent service from start to finish.

Matt Barrow

Having done a number of deals with R&W I would highly recommend them! I have been very impressed with their professionalism and knowledge. They are efficient and very helpful, they have helped me grow my business very quickly over the last few months, doing multiple deals at the same time. I Can’t wait to carry on our journey together.

Harvinder Sull

We have been using Ramsay & White as our brokers for a number of years now. They have covered all of our lending requirements from buy-to-let, commercial to bridging. The knowledge and professionalism are second to none. I would highly recommend Ramsay & White.

Jeannette Linfoot

Thanks to Will and Olly. Very professional, responsive and efficient. I would highly recommend Ramsay & White!

Jonathan Lewis

I have used Ramsay & White for several years, they're so helpful and knowledgeable and have always given me the best advice which I would say is invaluable. When using their services I am always being updated at every point throughout the process. I want to say a massive thank you to Joel White & Will Roberts. I've had nothing but an incredible experience from you and I look forward to carrying on working with you in the future.

Charlie Slocombe-Smith

A great service provided by Ramsay and White. Would highly recommend.

Ben Grover

I outgrew my previous IFA and was in need of a company to take my business to the next level. From the outset these guys were professional and clearly experienced working with property investors. They managed to assist with my refinance and I will continue to use Ramsay & White to assist with growing my portfolio through my LTD company.

Ashley Matthews

Growth Finance FAQs

Answers to the questions business owners ask us most about funding expansion.

What is the Growth Guarantee Scheme?

A government-backed scheme run by the British Business Bank that gives accredited lenders a 70% guarantee on eligible facilities. It replaced the Recovery Loan Scheme in July 2024 and is designed to help viable UK businesses access finance they might otherwise be refused.

Who is eligible?

UK-based businesses with turnover of up to £45 million that have a viable business proposition and are not in insolvency proceedings. Certain sectors, including banks, insurers and public-sector bodies, are excluded, and businesses must be within their subsidy limits.

How much can I borrow under the scheme?

Up to £2 million per business group across all scheme facilities, or £1 million for businesses within scope of the Northern Ireland Protocol. Minimum amounts depend on the facility type, from £1,000 for asset and invoice finance.

Does the government guarantee protect me?

No. The guarantee is given to the lender, not the borrower. You remain fully liable for the debt, and the lender can pursue the business and any guarantors for repayment in the normal way.

Will I still need to give a personal guarantee?

Lenders can ask for a personal guarantee at their discretion, and many do. The one protection the scheme gives borrowers is that a principal private residence cannot be taken as security for a scheme facility.

What types of finance can the scheme support?

Term loans, overdrafts, asset finance, invoice finance and asset-based lending, depending on which products each accredited lender offers. Term loans and asset finance can run for up to six years; overdrafts and invoice finance for up to three.

Is the scheme still open to new applications?

The scheme has been extended by the government and is open to new applications through accredited lenders. Rules and closing dates can change, so we confirm the current position with the lender at the start of every application.

Have More Questions?
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Why Ramsay & White?

At Ramsay & White, it’s not just about transactions; it’s about forging lasting relationships and being a steadfast companion in your journey towards financial prosperity.

About Ramsay & WhiteMeet the Team
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Ramsay & White Corporate Finance is a trading name of Ramsay & White Corporate Finance Ltd, which is an Appointed Representative of New Leaf Distribution Ltd, authorised and regulated by the Financial Conduct Authority, FCA number 460421. Ramsay & White Corporate Finance is a credit broker and not a lender. We work with a panel of lenders to find you a potentially suitable arrangement for consideration. ICO registration ZC246341, which you can check via www.ico.org.uk. Registered address: 7 Soundwell Road, Staple Hill, Bristol, United Kingdom, BS16 4QG. Registered in England & Wales. Registration number: 17450526.

We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the application). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.