£100k for Growth: How a GGS Loan Helped a Car Dealership Expand

Meet Pinchbeck Motors

Pinchbeck Motors is a third-generation family-run dealership in Derbyshire, specialising in luxury and high-performance vehicles. Already profitable, but with growing demand and ambitious plans, they needed fast access to capital to invest in infrastructure and expansion. But like many in the automotive sector, they found traditional lenders cautious, especially when it came to unsecured loans.

The Challenge: Growing a Dealership Without Delays or Excessive Guarantees

Despite being home owners, having strong trading history and clear growth potential, Pinchbeck Motors faced the same hurdle many motor dealers do: limited funding options outside of secured stock finance. They needed a £100,000 business loan — fast — but without jumping through hoops or putting personal assets like the director’s home on the line.

We had plans, momentum, and opportunity, but needed funding to match the pace of our business.

The Solution: A GGS Loan Built for Ambitious SMEs

James Murray Finance arranged a £100,000 loan through the Government’s Growth Guarantee Scheme (GGS). A powerful but underused route for dealerships and other specialist sectors. The result? Same-week approval, better-than-market rates, and a lighter-touch guarantee structure that didn’t require the director’s home as security.

Key wins included:

• £100,000 business loan funded in under 7 days
• Main residence excluded from security under GGS
• Lower cost than many generic online loan platforms
• Clear, expert support throughout – no generic forms or cold call centres

Why We Chose the Growth Guarantee Scheme (GGS)

The GGS is designed to support viable UK SMEs that may struggle to secure traditional finance. For Pinchbeck Motors, it offered the ideal blend of speed, affordability, and protection. As a dealership, they may have been seen as “higher risk” by mainstream lenders. But the GGS structure allowed us to source funding based on business merit, not outdated sector assumptions. This kind of strategic fit is exactly where expert brokering delivers real value.

The Result: Growth Capital Delivered in Under a Week

With the loan approved and funds received in less than 7 days, Pinchbeck Motors continued their growth plans without delay, on terms that made sense for the business.

I would thoroughly recommend James Murray Finance for any finance requirements. He arranged a GGS loan for my business which took less than a week from application to payout. Very impressive!

£100k for Growth – Backed by Government, Delivered by James Murray Finance

📸 Proudly independent in Derbyshire – Pinchbeck Motors continues to grow with support from James Murray Finance.

🔗 Visit them here: www.pinchbeckmotors.com

Need a Business Loan for Growth?

We help UK businesses across industries secure fast, flexible funding through the Growth Guarantee Scheme.

• GGS loans up to £2M
• Fair rates and reduced PG liability
• Options even for “higher risk” or specialist sectors
• Honest, tailored support — not a one-size-fits-all solution

Ready to See What's Possible?

If you’re a home owner with a profitable business, let’s talk through your goals and funding needs. I’ll help you explore your options and secure a solution that supports growth without unnecessary red tape.

Schedule a free consultation