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Innovate UK Innovation Loans: How UK SMEs Can Borrow Up to £5 Million at 3.7%
Innovate UK Innovation Loans lend UK SMEs £100,000 to £5 million at 3.7% for late-stage R&D. Here is who qualifies before the 26 August 2026 deadline.
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Funding
Innovate UK Innovation Loans lend UK SMEs £100,000 to £5 million at 3.7% for late-stage R&D. Here is who qualifies before the 26 August 2026 deadline.

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Made Smarter Adoption gives UK SME manufacturers a matched grant of up to £20,000 plus a free digital roadmap. Several regional pots are open now.

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Innovate UK Next Wave Breakthrough offers UK SMEs grants up to £3 million for Createch projects tied to Frontier industries. Deadline 11 August 2026.

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The Growth Guarantee Scheme lets UK SMEs borrow up to £2 million with a 70% government guarantee. It runs until March 2030 across over 70 lenders.

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The Clean Maritime Demonstration Competition 7 (CMDC7) closes 11am on 15 July 2026, with up to £1 million per feasibility project. Here is how UK SMEs can apply.

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Help to Grow: Management is a 12-week government-subsidised course that costs UK SMEs £750 instead of £7,500. Here's how to apply for the June 2026 cohort.

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The British Business Bank Start Up Loans scheme is open, now charging 7.5% fixed on personal loans up to £25,000 for UK founders trading under five years.

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Defra and Innovate UK have opened a £5 million grant competition for UK agri-tech SMEs developing near-commercial farming innovations. Deadline 17 June 2026.

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Many UK business owners face a puzzling problem. Their company shows a healthy profit on paper. Yet they struggle to pay bills on time. This guide explains why profit does not equal cash and what you can do about it.