{"id":10186,"date":"2026-03-31T11:50:24","date_gmt":"2026-03-31T10:50:24","guid":{"rendered":"https:\/\/bcrs.org.uk\/?page_id=10186"},"modified":"2026-03-31T12:38:08","modified_gmt":"2026-03-31T11:38:08","slug":"the-community-enable-funding","status":"publish","type":"page","link":"https:\/\/bcrs.org.uk\/cy\/business-loans\/the-community-enable-funding\/","title":{"rendered":"The Community ENABLE Funding"},"content":{"rendered":"<section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>BCRS Business Loans is an accredited lender under The British Business Bank\u2019s Community ENABLE Funding (CEF) Programme designed to support Community Development Finance Institutions (CDFIs) &#8211; access more funding to better support small and medium-sized enterprises (SMEs), especially those in underserved communities, by increasing the availability of finance.<\/p>\n<p><strong>The programme\u2019s goals are to:<\/strong><\/p>\n<ul>\n<li>Help social lenders and CDFIs increase their smaller business lending activity by providing more funding.<\/li>\n<li>Enable increased funding to smaller businesses that have been excluded or declined by mainstream lenders.<\/li>\n<li>Support more ethnic minority-led and female-led businesses.<\/li>\n<li>Boost access to finance for smaller businesses in deprived areas.<\/li>\n<\/ul>\n<p><strong>Eligibility criteria:<\/strong><\/p>\n<ul>\n<li>To qualify, businesses need to show they are financially stable and meet our criteria. This includes the requirements of the Growth Guarantee Scheme, which applies to loans funded through CEF<\/li>\n<\/ul>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"g-cols wpb_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column us_custom_7ba81899 has_text_color\"><div class=\"wpb_wrapper\"><h3 style=\"text-align: center;\"><strong>Ynghylch Cynllun Gwarant Twf<\/strong><\/h3>\n<p style=\"text-align: left;\">The Growth Guarantee Scheme (GGS) launched in July 2024 and is designed to support access to finance for UK small businesses as they look to invest and grow. Growth Guarantee Scheme-backed facilities are provided at the discretion of BCRS Business Loans. We are required to undertake our standard credit and fraud checks for all applicants.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"w-separator size_medium\"><\/div><\/div><\/div><\/div><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><div class=\"g-cols wpb_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column us_custom_cec7c14f has_text_color\"><div class=\"wpb_wrapper\"><h3 style=\"text-align: left;\">Growth Guarantee Scheme Features:<\/h3>\n<ul>\n<li><strong>Gr\u0175p busnes hyd at \u00a32m:<\/strong><br \/>\nThe maximum amount of a facility provided under the scheme is generally \u00a32m per business group for borrowers outside the scope of the Northern Ireland Protocol, and up to \u00a31m (or such other sum as notified from time to time by us to the lender in accordance with the relevant legal agreement(s)) per business group for Northern Ireland Protocol borrowers. Minimum facility sizes vary, starting at \u00a31,000 for asset finance, invoice finance and asset-based lending, and \u00a325,001 for term loans and overdrafts;<\/li>\n<li><strong>Amrywiaeth eang o gynhyrchion:<\/strong><br \/>\nThe Growth Guarantee Scheme supports term loans, overdrafts, asset finance, invoice finance and asset based lending facilities. Not all lenders will be able to offer all products;<\/li>\n<li><strong>Hyd y tymor:<\/strong><br \/>\nTerm loans and asset finance facilities are available from three months up to six years, with overdrafts, invoice finance and asset-based lending available from three months up to three years;<\/li>\n<li><strong>Mynediad i gynlluniau lluosog:<\/strong><br \/>\nNid yw busnesau a gymerodd Gynllun Benthyciadau Ymyriad Busnes Coronafeirws (CBILS), Cynllun Benthyciadau Ymyriad Busnes Mawr Coronafeirws (CLBILS), Cynllun Benthyciad Adlamu (BBLS) neu gyfleuster Cynllun Benthyciad Adennill (RLS) cyn 30 Mehefin 2024 yn cael eu hatal rhag cyrchu Twf Cynllun Gwarant, ond gall benthyca o dan y cynlluniau hyn leihau\u2019r uchafswm y mae\u2019r benthyciwr yn gymwys i\u2019w gael;<\/li>\n<li><strong>Pris:<\/strong><br \/>\nInterest rates and fees charged by BCRS Business Loans will vary and will depend on the specific lending proposal. BCRS Business Loans pricing will take into account the benefit of the Government guarantee;<\/li>\n<li><strong>Gwarantau Personol:<\/strong><br \/>\nPersonal guarantees can be taken at the BCRS Business Loans discretion, in line with their normal commercial lending practices. Principal Private Residences cannot be taken as security within the Scheme;<\/li>\n<li><strong>Guarantee is to BCRS Business Loans:<\/strong><br \/>\nMae&#039;r cynllun yn rhoi gwarant 70% a gefnogir gan y llywodraeth i&#039;r benthyciwr yn erbyn gweddill y cyfleuster sy&#039;n weddill ar \u00f4l iddo gwblhau ei broses adennill arferol. Erys y benthyciwr bob amser yn 100% yn atebol am y ddyled;<\/li>\n<li><strong>Decision-making delegated to BCRS Business Loans:<\/strong><br \/>\nGrowth Guarantee Scheme-backed facilities are provided at the discretion of BCRS Business Loans. BCRS Business Loans and are required to undertake our standard credit and fraud checks for all applicants;<\/li>\n<li><strong>The assistance provided through Growth Guarantee<\/strong><br \/>\nScheme, like many Government-backed business support activities, is regarded as a subsidy and is deemed to benefit the borrower. There is a limit to the amount of subsidy that may be received by a borrower, and its wider group, over any rolling three-year period. Any previous subsidy may reduce the amount a business can borrow. More information on subsidies is <a href=\"https:\/\/www.british-business-bank.co.uk\/finance-options\/debt-finance\/growth-guarantee-scheme\/subsidies\">available here<\/a>.<\/li>\n<\/ul>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column us_custom_4076faf9 has_text_color\"><div class=\"wpb_wrapper\"><h3 style=\"text-align: left;\">Eligibility Restrictions:<\/h3>\n<ul>\n<li><strong>Terfyn trosiant:<\/strong><br \/>\nMae&#039;r cynllun yn agored i fusnesau llai gyda throsiant o hyd at \u00a345m (ar sail gr\u0175p, lle maent yn rhan o gr\u0175p);<\/li>\n<li><strong>Yn y DU:<\/strong><br \/>\nThe borrower must be carrying out trading activity in the UK and, for most businesses, generating more than 50% of its income from trading activity;<\/li>\n<li><strong>Prawf hyfywedd:<\/strong><br \/>\nBCRS Business Loans must consider that the borrower has available business proposition;<\/li>\n<li><strong>Busnes mewn anhawster:<\/strong><br \/>\nRhaid i\u2019r benthyciwr beidio \u00e2 bod yn fusnes mewn trafferthion, gan gynnwys peidio \u00e2 bod mewn achos ansolfedd perthnasol;<\/li>\n<li><strong>Subsidy limits:<\/strong><br \/>\nBydd angen i fenthycwyr ddarparu cadarnhad ysgrifenedig na fydd derbyn cyfleuster y Cynllun Gwarant Twf yn golygu bod y busnes yn mynd y tu hwnt i uchafswm y cymhorthdal y caniateir iddynt ei dderbyn. Dylid darparu datganiad ysgrifenedig i bob benthyciwr sy&#039;n cael cymhorthdal o raglen a ariennir yn gyhoeddus, yn cadarnhau lefel a math y cymorth a dderbyniwyd.<\/li>\n<\/ul>\n<p><em>Sylwch, nid yw\u2019r canlynol yn gymwys o dan y Cynllun Gwarant Twf:<\/em><\/p>\n<ul>\n<li>Banks, Building Societies, Insurers and Reinsurers (excluding Insurance Brokers)<\/li>\n<li>Public sector bodies<\/li>\n<li>State-funded primary and secondary schools<\/li>\n<\/ul>\n<p>You will need to provide certain documents when you apply for an Growth Guarantee-backed facility. These are likely to include:<\/p>\n<ul>\n<li>Cyfrifon rheoli<\/li>\n<li>Business plan<\/li>\n<li>Historic accounts<\/li>\n<li>Details of assets<\/li>\n<li>Details of previous subsidy awards<\/li>\n<li>Decision-making on whether a business is eligible for the Growth Guarantee Scheme is fully delegated to BCRS Business Loans by the British Business Bank<\/li>\n<\/ul>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column us_custom_4076faf9 has_text_color\"><div class=\"wpb_wrapper\"><h3>Business Guidance<\/h3>\n<p style=\"text-align: left;\">Mae tudalennau Canllawiau Busnes Banc Busnes Prydain yn cynnwys ystod o <a href=\"https:\/\/www.british-business-bank.co.uk\/business-guidance\">canllawiau ac adnoddau i fusnesau<\/a>, gan gynnwys gwybodaeth am sut i reoli eich llif arian a ble i ddod o hyd i gyngor annibynnol.<\/p>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column us_custom_4076faf9 has_text_color\"><div class=\"wpb_wrapper\"><h3 style=\"text-align: left;\">Legal notice<\/h3>\n<p style=\"text-align: left;\">The Community ENABLE Funding programme, and the Growth Guarantee Scheme is managed by the British Business Bank on behalf of the Secretary of State for Business and Trade. British Business Bank plc is a development bank wholly owned by HM Government. It is not authorised or regulated by the PRA or the FCA. <a href=\"https:\/\/www.british-business-bank.co.uk\/\">Visit www.british-business-bank.co.uk<\/a><\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"w-separator size_medium\"><\/div><div class=\"w-image align_none\"><div class=\"w-image-h\"><img decoding=\"async\" width=\"450\" height=\"253\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/ysa99hrm-e1758114155200.png\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"BCRS Business Loans is an accredited lender under The British Business Bank\u2019s Community ENABLE Funding (CEF) Programme designed to support Community Development Finance Institutions (CDFIs) &#8211; access more funding to better support small and medium-sized enterprises (SMEs), especially those in underserved communities, by increasing the availability of finance. The programme\u2019s goals are to: Help social...","protected":false},"author":20,"featured_media":0,"parent":7269,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10186","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Community ENABLE Funding<\/title>\n<meta name=\"description\" content=\"BCRS offer small business loans with no early repayment charges in the West Midlands from \u00a325,000 to \u00a3100,000 as part of the Midlands Engine Investment Fund II.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bcrs.org.uk\/cy\/business-loans\/the-community-enable-funding\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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