Invest ESSEX can provide business loans for SMEs in Essex or companies who are relocating or want to expand in Essex. We offer funding as well as business support and advice from our industry experts. Our experienced advisers work hand in hand with SMEs to identify specific challenges affecting their business and develop realistic plans to address those issues.

Through our network of business partners we can broker access to a wide range of business funding solutions including:

  • Bank loans
  • Venture capital finance
  • An introduction to our network of grant funders
  • Alternative commercial finance to both new and established businesses

For more information and a free consultation, email us at 

Business Loans in Essex

Businessman and businesswoman shaking hands with people in background

For businesses that have been established for a year or more and want to grow, we can offer a Business Growth Loan with the following terms:

  • A business loan for a fixed term of up to 60 months with monthly repayments of capital and interest.
  • Available to successful, profitable & growing businesses based in Essex, Sussex, Kent, Surrey or Hampshire that have been operating for a year or more.
  • Loan between £3,000 and £50,000.
  • There is a 5% arrangement fee of £750, which is added to the loan. Interest (fixed) is 15% per year with a representative 19.74% APR.Note: loans are subject to satisfactory credit checks.
    Example: Borrow £15,000 over 42 months. Total repayment (including interest and fees) is £20,340.60. 42 monthly instalments of £484.30.

You will require the following documents when you submit your Business Growth Loan application:

  • Business Plan with financial forecasts
  • Part 1 CBS Application – the Business
  • Part 2 CBS Application – Personal
  • Personal Survival Budgets for each Director
  • Copy of a suitable form of identification
  • Copy of six months of business banking statements and three months of personal statements
  • Proof of address (from past three months)
  • Annual Accounts (from past three years)
  • Year to date Management Accounts


Business Plan Template (227 KB)

Profit and Loss Forecast (28 KB)

Cash Flow Forecast (43 KB)

Start-Up Loans

Man pouring coffee beans into a coffee grinder

If you are looking for funding and support to get your business idea off the ground, we can help. The Start Up Loans scheme gives you access to affordable funding and mentoring to kick-start your business.

We can help young entrepreneurs with every aspect of a new business:

  • Guiding you through the Start Up Loans scheme process.
  • Developing a comprehensive business plan.
  • Providing a mentor.
  • Securing the loan capital to ensure a sustainable business.

Find more information here.

Enterprise Finance Guarantee Loans

Female small business owner wearing apron and holding large jar

Let’s Do Business Finance is proud to be one of the 40 lenders accredited by the British Business Bank to lend to small businesses with the backing of Enterprise Finance Guarantee (EFG).

Since it launched, EFG has provided £2.7 billion of finance to over 26,000 small businesses in the UK that lack the security requirements to source finance from other lenders. EFG can potentially change a ‘no’ credit decision from a lender to a ‘yes’ by providing them with a government-backed 75% guarantee against the outstanding facility balance.

In order to be eligible for EFG support, a small business must:

  • Be based in the UK.
  • Have an annual turnover of no more than £41 million.
  • Operate within an eligible industrial sector.
  • Have a sound borrowing proposal and robust business plan, but without the security requirements to meet a lender’s normal requirements.
  • Be able to confirm that they have not received any other public support from the state beyond an equivalent of €200,0000 over the past three years.

There is a simple application process, which takes no longer than a standard loan application. Let’s Do Business Finance has the decision-making ability to decide whether a small business requires support via EFG.

Let’s Do Business Finance will use EFG guarantees on loans from £3,000 to £50,000 to help fund the growth or expansion of a business. Finance terms are from three months up to 7 years.


Dave Watson ACIB

07526 171257

With over 25 years Corporate Banking experience across start-up, growth and turnaround businesses alongside Client Strategy Consultancy for NatWest Commercial across East Anglia Dave has a wealth of expertise and contacts within the Essex SME market. The last 4 years Dave has worked with a significant number of SMEs providing hands on support to “make things happen” and specialises in finding funding solutions. Most recently, Dave has supported Prospects College of Advanced Technology and TfL to successfully relaunch the Tunnelling and Underground Construction Academy in East London.

Graham Johnson

07718 478447

Graham has spent over 35 years helping the owners of UK businesses to deliver their business plans. Having worked in relationship management roles with Barclays, NatWest and Coutts he has provided a wide range of funding solutions to SME’s and larger corporates including commercial loans, mortgages as well as Invoice Finance and Asset Based Lending solutions. Graham also spent 12 years in Lead Advisory Corporate Finance, with accountancy firms Moore Stephens and Baker Tilly, working with SMEs on business disposals, acquisitions and corporate fundraisings.