Supporting the people behind Britain's most loved businesses
Flexible growth capital for heritage businesses — structured around your revenue, not your assets. No personal guarantee. No equity given up. Just the resources you need, on the terms you need them.
No personal guarantee
No equity given up
Repayments flex with revenue
Capped total repayment
Free business resilience check
Enter your numbers. Get your seasonal cashflow chart and a suggested facility size — free, in about 3 minutes.
About your business
Monthly revenue — last 24 months
Approximate figures are fine. Round numbers work well.
Year 1 (oldest first)
Year 2 (most recent)
Margins and costs
Revenue minus direct production costs, divided by revenue
Rent, salaries, utilities — costs that don't vary with sales
Bank loans, bounce back loans, or other borrowing outstanding
What would you do with capital?
Be as specific or open as you like. This is the most useful thing you can tell us.
The mission
The businesses that have survived everything — recessions, a pandemic, the relentless pressure of supermarkets and online retail — deserve better than being told no by a bank that doesn't understand them.
We offer flexible growth and modernisation capital to brands carrying inherent cultural value. Structured around your revenue, not your assets.
"The businesses that have withstood the most are often the ones conventional finance serves least."
How it works
01
You apply
A short conversation about your business and what you'd do with capital. No lengthy forms.
02
We agree terms
A fixed revenue share — typically 5% — until a capped total is repaid. You know exactly what you'll pay back.
03
Capital arrives
Funds in your account quickly. No charges over assets. No personal guarantee. Nothing signed away.
04
You repay as you earn
Busy months you pay more. Quiet months, less. The repayment breathes with your business.
Who we back
Farmhouse and artisan food producers with loyal wholesale and direct customers
Family breweries, distilleries, cider makers and vineyards with established routes to market
Heritage craft and textile businesses with protected or specialist product lines
Farm shops, delis and rural hospitality businesses embedded in their communities
Any business whose track record is its best credential
Our promise
No equity given up — full ownership of everything you've spent a lifetime building
No personal guarantee — your home and personal assets stay entirely off the table
A capped repayment — you always know the maximum you will ever pay back
Genuine partnership — we only do well when you do well
Join the waitlist
Graft is forming now. Join to be among the first to access capital when we open — or simply to follow the journey.
No spam. No hard sell. Just the Graft story as it unfolds.
You're on the list.
Thank you for joining. We'll be in touch as Graft takes shape — and you'll be among the first to know when we open.