Richard Harpin
speaker
914 appearances
1 recordings
1 series
first heard Jan 2026
last heard 12 Jan
Richard Harpin’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jan 2026 with 1.
Appearances
So what gives you hope there?
This must be a change in the appetite in banks, surely.
There's also the growth guarantee scheme.
Right.
And that means that banks can lend money.
And if it goes wrong, then they can reclaim 70% of the cost of that from the government.
That's a scheme that works really, really well in America, Germany and France.
But we do only a tiny bit of that.
Since the scheme began, there have only been 13,000 loans under that guarantee scheme and only 2 billion of lending.
So we need to expand that.
The maximum lending is 2 million pounds and you can only be part of the scheme if you're running a business that's turning over less than 45 million a year.
Right.
But that growth guarantee scheme is underutilized, you'll say?
Yes.
And we need to remove the caps so it would apply to the whole of those mid-market companies.
Yeah.
And who would have to make the decision to remove the cap?
That would be government.
It's a government scheme.
Right.
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