New Partial Guarantee Scheme Launched – The General Export Facility

The General Export Facility (GEF) provides partial guarantees to banks to help UK exporters to gain access to trade finance facilities. Through GEF, they can support the following facility types, with maximum repayment terms of up to 5 years:

  • cash facilities such as trade loans
  • contingent obligation facilities such as bonding and letter of credit lines

GEF is able to support facilities valued up to around £25 million. For facilities with values over £25 million, contact your local Export Finance Manager (see below) as one of UKEF’s other schemes may be suitable.

How it works

The benefits of GEF for UK exporters include:

  • More flexibility – the availability of UKEF’s guarantee helps UK exporters to negotiate more flexible trade finance facilities with participating banks. In turn, these facilities can provide or unlock more working capital to support the growth of UK exporting businesses
  • Greater certainty – in contrast to some of UKEF’s other schemes, with GEF UK exporters do not need to evidence any individual export contracts. Putting non-contract specific facilities in place will allow UK exporters to focus on their overall growth without worrying as to whether an export opportunity will be deemed supportable or not
  • Improved accessibility – UKEF has provided delegated authority to participating banks of up to £5 million per UK exporter. Whenever an application for GEF support meets certain criteria, UKEF’s guarantee will be automatically granted to the participating bank which therefore minimises application response times. The general nature of GEF will also appeal to exporters who do not routinely enter into large, single export contracts

Eligibility criteria

In order to access the scheme, you must satisfy the bank’s and UKEF’s criteria. One of the key requirements is that the exporter must be able to declare:

  • in any one of the last three financial years, at least 20% of their annual turnover has been made up of UK export sales


  • in each of the last three financial years, at least 5% of their annual turnover has been made up of UK export sales

Additionally, the exporter must be able to declare:

  • they have premises in the UK
  • they have employees in the UK
  • they pay UK or Isle of Man/Channel Islands National Insurance Contributions or Corporation Tax
  • they manufacture goods, deliver services or produce intangibles from the UK, which would (if required) qualify for a UK Chambers of Commerce Certificate of Origin


  • they do not solely engage in the supply of goods that have been manufactured outside of the UK or services where the person contracted to perform the services ordinarily carries on business outside the UK

UKEF Guarantee Fee

The guaranteed bank pays UKEF a guarantee fee. This fee is a proportion of the interest margin paid by the UK exporter to the bank for providing the facility.

How to apply

To access GEF, exporters should discuss their potential application with their bank. There are currently five participating banks:

  • Barclays Bank plc
  • HSBC Bank plc
  • Lloyds Banking Group/Bank of Scotland plc
  • The Royal Bank of Scotland plc /National Westminster Bank plc /Ulster Bank
  • Santander UK plc

UKEF is keen to expand the range of its partners.

To find out more about our General Export Facility or to discuss eligibility for our support, contact our customer services team.

Contact or call +44 (0)20 7271 8010.

Contact details for approved lenders

Contact your bank for further guidance.

Lender Contact Telephone Email
Barclays Bank Plc Mathew Enright, Vice President, Trade and Working Capital 020 7116 3999
HSBC Bank Plc Liz Ambler (London and South East) N/A
Matt Osborn (Midlands, South West and Wales) N/A
Jill Hague (North, including Scotland and Northern Ireland) N/A
Lloyds Banking Group/Bank of Scotland Plc Trade Finance N/A
National Westminster Bank Plc Chris Duggan, SolutionsLine Team 0800 2100235
The Royal Bank of Scotland Plc Chris Duggan, SolutionsLine Team 0800 2100235
Santander UK Plc Trade and Supplier Finance N/A

Local Finance Managers

For facilities with values over £25 million, contact your local Export Finance Manager, for any general enquiries, please contact the customer helpline

New business enquiries


Alternatively, you can contact your local export finance manager directly to book a free consultation.

Northern Ireland, Scotland and Wales

Senior Export Finance Manager

Jon Boyce


Telephone +44 (0)7990 887 852

Northern Ireland – Export Finance Manager

Elizabeth McCrory


Telephone +44 (0)7435 323 231

Scotland – Export Finance Manager

  • Aberdeen
  • Highlands and Islands
  • Tayside

John Brown


Telephone + 44 (0) 7900 135 529

Scotland – Export Finance Manager

All areas except Aberdeenshire, Highlands and Islands, and Western Scotland

Carol Harvey


Telephone +44 (0)7817 830 833

Scotland – Export Finance Manager

Focuses on the renewables and clean tech sectors

Alistair McMillan


Telephone +44 (0)7880 479858

Wales – Export Finance Manager

Christian Syme


Telephone +44 (0)7580 745923


Senior Export Finance Manager

  • North East
  • Teeside

Patrick Kendell


Telephone +44 (0)7568 101892

North of England – Export Finance Manager

Rachel Ashley


Telephone + 44 (0) 7909 099 405

North West (North) – Export Finance Manager

  • Cumbria
  • Greater Manchester North (Bolton, Bury, North Manchester, Oldham, Rochdale and Wigan)
  • Lancashire

Steve Cowles


Telephone +44 (0)7966 308 452

North West (South) – Export Finance Manager

  • Cheshire
  • Greater Manchester South (Salford, South Manchester, Stockport, Tameside, Trafford)
  • Merseyside

Kevin Ledwith


Telephone +44 (0)7580 742 518

Humberside, Teeside and Yorkshire – Export Finance Manager

Ulviyya Huseynova


Telephone +44 (0)7795 306192

Humberside and Yorkshire – Export Finance Manager

Robin Priestley


Telephone +44 (0) 7964 108726

Midlands and South West

Herefordshire and Worcestershire – Senior Export Finance Manager

Phill Potter


Telephone +44 (0)7866 480 996

Export Finance Manager

  • Bristol
  • Cornwall
  • Devon
  • Dorset
  • Gloucestershire
  • Somerset
  • Wiltshire

Hugh Francis


Telephone +44 (0)7880 358 220

Shropshire, the Black Country and Staffordshire – Export Finance Manager

Anne Lockett


Telephone +44 (0)7580 742 532

Nottinghamshire, Derbyshire, Lincolnshire, Rutland – Export Finance Manager

Andy Mannix


Telephone +44 (0)7825 276 476

Northamptonshire, Cambridgeshire, Bedfordshire – Export Finance Manager

Jo Archer


Telephone +44 (0)7580 742 517

Birmingham, Coventry and Warwickshire, Leicestershire – Export Finance Manager

Jane Cooper


Telephone +44(0)7580 745 925


Hampshire, Isle of Wight – Senior Export Finance Manager

Julie Robertson


Telephone +44 (0) 7791 796217

Buckinghamshire, Hertfordshire – Export Finance Manager

Craig Green


Telephone +44 (0)7791 796 170

Essex, Norfolk and Suffolk – Export Finance Manager

Richard Hill


Telephone + 44 (0)7587 884465

Kent, East Sussex and West Sussex – Export Finance Manager

Lisa Maddison-Brown


Telephone +44 (0)7976 727419

London (Central and West) – Export Finance Manager

Hitesh Patel


Telephone +44 (0)7794 051 934

London (City and East) – Export Finance Manager

Colin Hawes


Telephone + 44 (0) 7733 925 445

London (North East) – Export Finance Manager

Jonathan Dowell


Telephone + 44 (0)7817 830543

Surrey, Berkshire, Oxfordshire

Richard Armstrong


Telephone +44 (0) 7917 837814