Make the most of the latest scheme to fund your recovery and repair the combined economic damage of pandemic and lockdown.


    Here’s what you get

    Access to 70% government-backed loans for post-pandemic recovery
    Funding for capital investment and growth
    Immediate improvements to cashflow and liquidity
    Term loans between £25,001 and £2 million (from Jan 2022)
    Asset or invoice finance between £1,000 and £2 million (from Jan 2022)

    Suitable if you

    1. Run a private sector business with a turnover of under £45 million
    2. Carry out at least 50% of your trading activity in the UK
    3. Have been trading for at least two years
    4. Can demonstrate a negative impact on your business from Covid-19
    5. Have a viable business not subject to insolvency proceedings



    Cash flow

    A substantial injection of funds to boost your spending power and mitigate disruption to your cash flow with the opportunity to refinance an existing commercial facility.

    Simple Application

    Check your eligibility, make your application and receive a decision online. Your loan goes straight into your business account. Benefit from the scheme’s low entry point.

    Flexible Options

    Choose between term loans, overdrafts, invoice and asset finance as well as a range of repayment plans. Open to companies previously using Pay as you Grow.




    Find a Lender

    The Recovery Loan Scheme is offered by a number of lending bodies which are accredited by the British Business Bank. A full and regularly updated listing can be found on the British Business Bank website.

    Make Your Application

    Fill in the simple RLS application form. Decisions on your eligibility are delegated to the accredited lenders, which include high street and challenger banks as well as asset-based and specialist local lenders.

    Available Options

    The RLSC has been extended to run until June 2022 with a maximum loan of £2 million per business and £6 million per group. Businesses with a turnover below £45 million may apply.

    Multiple Facilities

    Subject to eligibility requirements a business may be able to access multiple facilities across different product variants. The maximum borrowing will depend on the assessments of the individual lenders.



    1. Approach a lender directly or act through a broker
    2. Prepare your business plan, management accounts and details of assets
    3. Clarify the purpose of the loan and your expectations of growth and return
    4. Undergo a routine credit check for the business and its directors
    5. Loans of £250,000 or more require a guarantee, excluding private residences
    6. Agree terms from 3 months to 6 years, with a maximum interest rate cap of 14.99%



      Merchant Cash Advance

      Borrow funds from a lender and make repayments through customer card transactions. The loan can be used for any business purpose.

      Read More >

      Flex Loan

      An unsecured loan finance facility with flexible provisions for both repayments and draw downs. Ideal for short term liquidity to cover operational costs.

      Read More >

      Trade Finance

      Order and receive essential goods paid for by our financial partners with convenient repayment terms. Gives instant access to supplies and early settlement discounts.

      Read More >

      Stellar capital is equipped to demonstrate the areas in which your operations can be improved to maximise value and profits.

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      Stellar Capital is committed to helping our clients find the best solutions for every funding challenge.

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