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Government backed loan

Government support for Jersey based companies

Whether you're a start-up or a growing business in Jersey, funding can be the difference between success and failure. That's why Government-backed loans can help.

Security may be required.

If you have a viable business proposition in Jersey but no money to fund capital expenditure it can often be frustrating trying to get your plans off the ground. Similarly, if you want to expand your business, but have no assets to offer as security, a conventional loan may not be available.

That's where Small Firms Loan Guarantee Scheme can help.

How it works

Under this scheme, the States of Jersey will guarantee 75% of your loan - which means you don't need a large amount of security to back your borrowing.

What's more, you can enjoy many of the benefits available with our other loans.


  • Variable or fixed interest rates - giving you the choice you need
  • 250,000 maximum loan - the minimum amount is 5,000
  • Two year minimum term - and a maximum term of 10 years
  • Drawdown options to suit your business - you can receive your funds in stages, to suit the needs of your business
  • Payment holidays - Capital Repayment Holidays can be permitted, subject to credit approval

During the payment holiday, interest continues to accrue. You'll still need to make interest payments during the capital repayment holiday period.

If you qualify for the States of Jersey guarantee and take a loan under the Small Firms Loan Guarantee Scheme, you need to pay a premium to States of Jersey equivalent to 2% per annum on the value of the outstanding loan to the States

Your home or property may be repossessed if you do not keep up repayments on your mortgage

Get in touch

  • Jersey
    01534 282828

    01481 703800

    Isle of Man
    01624 697900

    00350 200 77737

Lines are open: Mon to Fri 9.00am-5.00pm (excluding public holidays).
Calls may be recorded