Dual Growth Funding

Dual Growth Funding icon

Credit4’s Dual Growth Funding has been developed to provide UK SMEs with flexible funding to unlock growth.

Dual Growth Funding provides two different types of financing which SMEs might otherwise have to approach different lenders to obtain.

Dual Growth Funding is available in amounts of between £30,000 and £100,000, for terms of between 12 and 24 months.

View FAQs

How it works


Submit your Dual Growth Funding application

Apply for the level and term of funding based on your businesses growth needs, the funding must be used for business purposes, and to unlock growth / value. For funding up to £60,000 the funding is split half as a flexible facility and half as a term loan. For funding between £60,000 and £100,000 the funding split is £30,000 (maximum) flexible facility with the residual funding as a term loan.


Supply supporting financial information

In addition to our application documentation, we’ll want you to demonstrate the need for the funding by letting us have some financial information, including a cash flow forecast.


Receive your funding and repay monthly

The term loan is drawn immediately and is repaid monthly over the term of the funding.


With Dual Growth Funding, you also have access to a Flexible Funding Facility

The flexible facility element allows you to draw funds, repay and redraw up to the limit of your facility as many times as you need during the term (subject to minimum amounts), giving you access to funding as and when your business needs it. Interest and costs on the flexible facility element are serviced fortnightly.


Flexible Funding Facility repayment

All principal amounts outstanding at the end of the term under the flexible facility must be repaid by the end of the term. You can repay in lump sums or one bullet repayment. You must, therefore be confident that your business can afford the repayment or that you will be able to arrange alternative financing at the end of the term.

Tell us what you need

How it will work

Term Loan (£)



Flexible Facility (£)





How much it will cost





Total Amount Repayable* £0

*The Dual Growth calculator estimates the Total Charge for Credit and Total Amount Repayable based on the information you input about how you intend to use our Dual Growth Funding Product. In calculating the Total Amount Repayable the following assumptions are made; i) that the Term Loan element is drawn fully, repaid monthly over the term and all payments are paid when due ii) the Flexible Facility element is drawn for an average period over the term based on the information you input into the “Drawn Period” field iii) all daily interest and non-utilisation costs are paid when due. If, on average, the Flexible Facility is fully drawn for more time than you have told us then the cost of the Flexible Facility will be more than the calculator estimates, if the Flexible Faciity is fully drawn for less time over the term then the cost will be less than the calculator estimates. During the Dual Growth Funding term, interest will be charged on a daily basis and therefore the total interest payable may differ from that calculated above, it is important that you input the requested information with care as it could have a material impact on the costs calculated and shown. Please view our Representative Examples.

Any questions?

If you’re looking for funding to grow your own small business talk to one of our Relationship Managers.

Call us on 020 3637 0570 or message us below.

  • You can opt out at any time, for details see our privacy policy.