Business Loans Supported by a Guarantor

Turning great ideas into real businesses

Starting a new business is exciting and full of potential but finding the right funding can be challenging when you are just getting started. If your company is a startup, has little trading history or no assets to offer as security, a guarantor loan could be the key that opens the door to your future.

With support from a guarantor who owns property, we can often help new and growing businesses access the finance they need to launch, expand, or buy an existing business. It is a simple and practical way to make your business goals achievable.

How a secured guarantor helps

A secured guarantor personally guarantees the loan and allows a legal charge to be placed over their property. This gives the funder confidence to lend even when your business is new or has traded for less than two years.

Often parents, grandparents, relatives or close friends choose to help in this way because they believe in your business and want to see you succeed. It is a great way for loved ones to support you without having to lend you money directly.

Who can be a guarantor

A guarantor generally needs to
• Own a property
• Have enough equity to satisfy the funder
• Become connected to the business

When a guarantor loan can help

Guarantor supported funding can be ideal if
• You are launching a start up or have been trading for less than two years
• Your business has limited assets or income
• You do not own property or have little equity
• You have a poor credit history or limited credit profile
• You are buying a business and need extra security to complete the deal

Simple and supportive process

1. Application and assessment – We review your business, the guarantor, and the available security.
2. Personal guarantee – The guarantor signs a personal guarantee covering the company’s commitments.
3. Legal charge – A legal charge is registered over the guarantor’s property as security for the loan.
4. Independent legal advice – The guarantor is advised to take independent legal advice to ensure everything is clear and understood.

If a payment is missed

Life happens and sometimes payments can be delayed. We always aim to communicate and find solutions where possible. If payments are missed, the funder may allow extra time or charge a small late fee. However, if the business continues to fall behind, the guarantor may be asked to make payments on its behalf.
As with any secured loan, if the business cannot meet its obligations, the guarantor’s property may be at risk.

Before you apply

Be open and transparent with your guarantor from the start. It is important that everyone understands the commitment. We strongly recommend taking independent legal advice before signing any documents.
Take your time, ask questions, and move forward only when you are confident and comfortable.

Why guarantor loans work so well for start ups

A secured guarantor loan lets someone close to you help you get your business off the ground without lending their own cash. Instead of using savings or selling assets, they can use the equity in their property to back your business.

It is a powerful way to access the funding you need to launch, grow, hire, buy equipment, or take your first big opportunity even if your business is still new.

Our approach

We are passionate about helping new businesses grow. We specialise in start up business loans with guarantor support and funding for companies trading for less than two years.

Our team moves quickly, keeps things simple, and offers clear, friendly guidance throughout. We will help you explore the best options for your business and guide you every step of the way.

Start your journey today

Your dream deserves the right support. Talk to our friendly Start-up team or begin your application online and take the next step toward growing your business with confidence.