GGS lending in this sector
The British Business Bank's performance data as at 30 June 2026, which combines GGS with the third Recovery Loan Scheme, shows £615.01 million drawn across 3,963 facilities in wholesale and retail trade, including the repair of motor vehicles and motorcycles. That is an average of about £155,188 a facility, out of £3,963.87 million and 22,947 facilities across all sectors.
In Scotland, the British Business Bank's 2 June 2026 release shows wholesale and retail trade, including the repair of motor vehicles with 216 loans worth £30.9 million.
In the UK-wide data, business term loans were £2,917.17 million across 15,920 facilities and asset finance £914.50 million across 6,477. Invoice finance was £115.47 million across 525 facilities and revolving credit (overdrafts) £16.73 million across 25.
Stock and invoices
Businesses that sell on credit can look at invoice finance, available for up to three years, and asset-based lending to borrow against stock and receivables. Both start from £1,000. They are a small part of GGS lending compared with term loans and asset finance, so check which lenders offer them.
Cost an invoice with the GGS invoice finance calculator.
Estimate a borrowing base with the GGS asset-based lending calculator.
One sector in the data
The British Business Bank groups wholesale, retail and motor trade repair as one sector, so this guide covers both. Retailers and wholesalers face the same eligibility criteria and limits.
QUESTIONS
Growth Guarantee Scheme for wholesale and retail businesses: questions
Why one guide for wholesale and retail?
The British Business Bank reports them as one group, so the sector figures cannot be split.
Can I borrow against stock?
Asset-based lending can, from lenders that offer it. The borrowing base depends on the lender's advance rates and reserves.