It replaces expensive short-term borrowing with one affordable repayment over up to five years. The goal is not just saving interest, it is freeing cash so you can breathe, plan, and grow.

If you are juggling merchant cash advances, revenue-based loans, cards, and overdrafts, you are paying for speed and convenience every day. Rebalancing swaps several high-cost repayments for one fair repayment, so more of your takings stay in the business each month.

Typically up to £150,000, repaid over one to five years. Many clients land on three to four years because it balances monthly affordability with total interest paid.

No. We look at the whole picture: trading health, bank data, plans, and people. Past blips do not automatically rule you out. We care where you are heading, not just where you have been.

Yes. With your permission, Open Banking lets us see the data we need securely, which speeds decisions and avoids endless PDFs. You stay in control and can revoke access at any time.

There is a 4% set-up fee and competitive interest. Early repayment fees are low, so if things go well you can clear the balance sooner without a nasty surprise.

Once we have the right info, many businesses receive funds in two weeks or less. Speed depends on how quickly we can validate your numbers and agree the right structure with you.

You can consolidate the expensive bits and keep useful tools, for example a modest overdraft for seasonality. The structure should serve your business, not punish it.

We are a Community Development Finance Institution. Decisions are made by real people who know the North West economy. We look beyond rigid scorecards and back viable plans from ambitious owners.

Many offers are. GGS support helps us lend where good businesses need a hand getting to yes. We will explain clearly when it applies and what it means for you.

An initial conversation and our two-question estimate will not. If you proceed, normal credit checks apply. We keep everything proportionate and transparent.