- SBIR/STTR: Small Business Administration (SBA), sbir.gov — Phase I up to $275K, Phase II up to $1.75M. Requires US-owned small business, ≤500 employees.
- Innovate UK Smart Grants: UK Research and Innovation (UKRI), innovateuk.ukri.org — grants up to £2M for R&D-intensive projects. Typically 40–60% grant funding.
- Growth Guarantee Scheme (GGS): British Business Bank successor to Recovery Loan Scheme. Loans £25K–£2M, 70% government guarantee. Trading 12+ months required.
- Horizon Europe / EIC: European Commission — EIC Accelerator up to €2.5M grant + €15M equity. Requires EU nexus. Open to SMEs from associated countries.
- R&D Tax Credits: HMRC RDEC (14.5% credit on qualifying expenditure from April 2023) and SME scheme — verify current rates with HMRC guidance.
Schemes covered by jurisdiction:
🇺🇸 US: SBIR, STTR, SBA 7(a), SBA 504, CDFI grants
🇬🇧 UK: Innovate UK Smart Grants, Growth Guarantee Scheme, Enterprise Finance Guarantee, R&D Tax Credits (RDEC), SEIS/EIS investor relief
🇪🇺 EU: Horizon Europe, EIC Accelerator, EIF guarantees, COSME, InvestEU
Complexity rating (● dots) indicates typical application burden: 1 dot = straightforward online application; 5 dots = multi-stage with external consultant typically required.
⚠ Government schemes change frequently. Verify current open rounds, deadlines, and criteria with the relevant funding body before committing resource to an application.