Growth Guarantee Scheme calculator (2026)

How to interpret your GGS calculator output

A few things worth understanding before you use the calculator output for budget planning:

• The monthly repayment is amortising capital and interest, just like a residential mortgage. Each month a slightly larger portion is capital and a slightly smaller portion is interest.
• The 2% BBB scheme fee is paid once, at drawdown. We’ve modelled it as a one-off cost added to the total cost of credit but not built into the monthly repayment.
• The arrangement fee is whatever the lender charges — from zero on some specialist non-bank facilities up to ~3% on some high-street bank deals. In practice many lenders fold it into the loan principal, in which case the actual monthly repayment will be marginally higher than the modelled figure.
• The interest rate here is a representative APR. Real lender quotes are issued at a specific personal rate following formal underwriting.

For a real-world quote priced against your actual business and credit profile, complete the short enquiry on the pillar page — we’ll soft-search across the panel and come back with indicative offers from up to three accredited GGS lenders.