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What your business qualifies for right now

Free money and cheap loans your business can apply for.

An open hand receiving a bag of coins in front of a government building

Official pages last read 11 September 2026

Start Up Loans

Loan

New and very young UK businesses, trading under three years

£500 to £25,000 per owner, up to £100,000 per business

You probably qualify if

  • You live in the UK and are 18 or over
  • The business trades in the UK, or is about to
  • Trading for less than 36 months
  • You can show you can afford the repayments

First step. Apply through the British Business Bank delivery partner for your region, with a business plan and cash flow forecast.

Business plan, cash flow forecast, personal survival budget

Open all year, no closing date

Loan interest on business borrowing is normally an allowable trading expense.

British Business Bank, Start Up Loans

Read 11 September 2026

Growth Guarantee Scheme

Government backed lending

Smaller UK businesses that a lender would otherwise turn down

Facilities usually up to £2 million

You probably qualify if

  • UK based business with turnover under £45 million
  • Viable trade, not in a restricted sector
  • You apply through an accredited lender, not the government

First step. Pick an accredited lender from the British Business Bank list and apply for the facility you need. The guarantee sits behind the lender.

Runs while the scheme stays open, check the lender list before applying

British Business Bank, Growth Guarantee Scheme

Read 11 September 2026

Innovate UK grant competitions

Grant

Businesses doing genuinely new product or process work

Often £25,000 to several million, matched by your own spend

You probably qualify if

  • There is real technical uncertainty, not just a new website
  • You can fund your share of project costs
  • The project fits an open competition scope

First step. Find an open competition on the Innovation Funding Service, then submit the application before the deadline shown.

Innovation Funding Service application, project plan, costs breakdown

Competitions open and close on fixed dates, some monthly

A grant can change how much R&D relief you can claim on the same costs, so order matters.

UK Innovation Funding Service

Read 11 September 2026

R&D tax relief, merged scheme

Tax relief

Companies resolving scientific or technical uncertainty

A corporation tax deduction, or a payable credit if loss making

You probably qualify if

  • You are a company, not a sole trader
  • The work sought an advance in science or technology
  • You kept records of the staff, subcontractors and consumables involved
  • You submit a claim notification in time for new claimants

First step. Claim in the company tax return, with the additional information form filed before or with it.

CT600 with CT600L, additional information form, claim notification

Within two years of the end of the accounting period

Feeds straight into the corporation tax figure in your plan.

HMRC, Research and Development tax relief

Read 11 September 2026

Employment Allowance

Wage and hiring support

Employers paying secondary National Insurance

Up to £10,500 off your employer National Insurance bill for the year

You probably qualify if

  • You are an employer with an employer National Insurance liability
  • You are not a single director company with no other employee on the payroll
  • You claim it, it is not automatic

First step. Tick the Employment Allowance indicator in your payroll software and send an Employer Payment Summary.

Employer Payment Summary through payroll

Each tax year, and can be claimed for up to four earlier years

Reduces the employer National Insurance line in your business plan.

HMRC, Employment Allowance

Read 11 September 2026

Full expensing and the annual investment allowance

Tax relief

Businesses buying plant, machinery, vans, fit out and equipment

Up to 100 per cent of qualifying spend against profit

You probably qualify if

  • The asset is new and unused for full expensing, second hand can still use the annual investment allowance
  • It is used in your trade, not for leasing out in most cases
  • Cars are treated separately

First step. Claim in the capital allowances section of the company or self assessment return for the period of purchase.

CT600 capital allowances pages, or SA103 for the self employed

In the accounting period the spend falls in, so timing a purchase matters

The planner already tests whether moving a purchase across the year end helps.

HMRC, capital allowances

Read 11 September 2026

SEIS and EIS advance assurance

Investor scheme

Young companies raising money from outside investors

Up to £250,000 under SEIS, up to £12 million lifetime under EIS

You probably qualify if

  • The company is small, young and carries on a qualifying trade
  • Money is for growth, not to buy another business
  • Shares are ordinary, with no preferential rights

First step. Ask HMRC for advance assurance before the raise, then issue compliance statements after the shares are issued.

Advance assurance application, SEIS1 or EIS1 compliance statement

Advance assurance before the raise, compliance statement after trading for four months

Investors get income tax relief, which usually makes your round easier to fill.

HMRC, venture capital schemes

Read 11 September 2026

Turn this into your own plan

The money above only helps if it fits your numbers. The planner tests it against your income, your structure and your year end, then puts the steps in order with dates.

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