Funding the Midlands engine with the Growth Guarantee Scheme
Today, businesses are combining multiple funding options that fuel expansion plans and support growth
Transforming ambition into achievement
The high concentration of asset-intensive manufacturing, engineering, and transport sectors in the Midlands makes it a driving force for industrial growth. With strong industrial and technical expertise, businesses in the region are perfectly positioned to unlock funding.
Today, businesses are combining multiple funding options that fuel expansion plans and support growth:
- Growth Guarantee Scheme (GGS): Provides access to finance of up to £2 million, backed by a 70% government guarantee to lenders. GGS provides additional headroom, particularly suited for businesses affected by tariff pressures.
- Asset-based lending (ABL): Unlocks growth capital tied up in assets such as debtors, stock, plant and machinery, and property, offering certainty of funding to support acquisitions, management buyouts and buy-ins, restructuring, and growth capital.
- Cash flow loans: Deliver liquidity, helping companies seize opportunities quickly and maintain business momentum.
By blending these solutions, businesses can create a cohesive funding strategy that protects working capital, supports growth and investment, and provides the confidence to secure event-driven opportunities in uncertain times.
Strategic acquisitions
Mid-market entrepreneurs and investors are actively pursuing both planned and opportunistic acquisitions. Buy-and-build strategies are consolidating fragmented markets, strengthening supply chains, and expanding into new regions. In these transactions, where time is often critical, swift and purposeful execution is crucial.
Management buyouts (MBOs)
Baby Boomer business owners are planning their exits and prioritising their succession plans, creating significant new MBO opportunities for leadership teams. With the possibility of further capital gains tax changes not ruled out, this is an optimal period to structure deals that benefit both current owners and future leaders.
Corporate carve-outs
Large organisations looking to streamline their portfolios are releasing valuable non-core business units to market. These carve-outs present immediate value creation prospects – with proper working capital support, these businesses can pursue focused growth strategies free from corporate constraints.
Private equity firms have significant unallocated capital
With £190bn in uncalled capital ready to deploy, according to the latest figures from the BVCA, private equity firms are targeting high-quality businesses where operational improvements create lasting value. This substantial available funding means heightened competition for attractive assets, making speed and assurance of funding vital for successful deals.
Regional focus, local expertise
Our Midlands team brings deep local expertise and relationship-driven support, creating flexible funding solutions that align with each market’s distinct strengths and are tailored to each individual business. With directors embedded in each region, we maintain close relationships with business leaders, advisers, and investors who drive local economies. This combination of local market knowledge and access to decision-makers means we can drive growth throughout the UK.
Arbuthnot Commercial Asset Based Lending recently delivered a comprehensive funding package combining a Confidential Invoice Discounting line, Growth Guarantee Scheme, and cash flow loans to support M&L Holdings Limited’s management buy-in of Merebrook Consulting Limited (MCL).
As Mark Lavender, CEO of M&L Holdings Limited, explains:
“From my initial calls with Arbuthnot, it was clear they were genuinely interested in the business. Very quickly, we were able to filter out those lenders who were only interested in doing an immediate deal and weren’t overly keen on supporting future acquisitions. I needed a partner who could not only help us complete this deal but also support opportunities as we continue on our acquisition path. The team at Arbuthnot was incredibly supportive, understanding, and personable at every step.”
Our commitment to your success
At Arbuthnot Commercial Asset Based Lending, we deliver more than funding – we provide the certainty and support you need to execute deals successfully.
Discover how GGS, ABL, and cash flow solutions can work together to power your growth by visiting our dedicated GGS hub.
Apply with us
Complete our enquiry form to explore tailored funding solutions designed to help you scale with confidence
Related pages
Government Growth Scheme • Success stories • Scheme features
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Registered in England and Wales no. 10915339. Arbuthnot Commercial Asset Based Lending Limited’s registered office is Arbuthnot House, 20 Finsbury Circus, London, EC2M 7EA. Arbuthnot Commercial Asset Based Lending is not authorised and regulated by the Financial Conduct Authority.
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