Grants & Financial Support

Strategic Framework Business Fund

The Strategic Framework Business Fund (SFBF) provided grants to businesses that were required to close by law or to significantly change their operations due to COVID-19 restrictions from 2 November 2020.

This fund will close to new applicants on 22 March 2021.

The final four-weekly payment will be made on 22 March 2021. As in previous months, this will consist of:

  • £2,000 for businesses with a rateable value up to £51,000
  • £3,000 for businesses with a rateable value of £51,001 or above

On 19 April 2021, all SFBF recipients will automatically receive a combined final 2-week supplement and a one-off restart grant to help them reopen.

  • Retailers in receipt of SFBF will be eligible for grants up to £7,500 based on rateable value:
    • for properties with a rateable value below £51,000: £7,000 (£6,000+£1,000)
    • for properties with a rateable value above £51,001: £7,500 (£6,000+£1,500)
  • Hospitality and leisure businesses in receipt of SFBF will be eligible for grants up to £19,500 based on rateable value:
    • for properties with a rateable value of £15,000 or under: £9,000 (£8,000+£1,000)
    • for properties with a rateable value between £15,001 and £51,000: £13,000 (£12,000+£1,000)
    • for properties with a rateable value of £51,001 or over: £19,500 (£18,000+£1,500)

The infrastructure for the SFBF will be retained and used as required in future for business support linked to any local outbreaks.


COVID-19 Discretionary Business Restart – Grants

The aim of this fund is to mitigate the short term financial challenges being experienced by businesses adversely impacted by restrictions and regulations introduced since October 2020 to control the spread of COVID-19.

The Discretionary Business Restart Grants provides a one-off restart grant of £8,000 to successful applicants which pay NDR & have not been able to access any funding since October 2020 with the exception of any small Discretionary Business Fund grants. Please note that this fund will be issued on a first come first served basis for complete applications & will close once the allocated budget is spent. It is important that all documentation requested is submitted with the applications for it to be considered complete.

Eligibility criteria:

  • Business trading prior to 31/10/2020
  • Business is based in Moray
  • Business has valid a VAT, PAYE, Companies House registration, SCIO, CIC or UTR number or evidence of application.
  • My business premises are registered for Non-Domestic rates (if you pay rates through your landlord rather than directly to a Council, you are still eligible to apply but must provide evidence of this arrangement through copy of your lease agreement).
  • Business is not eligible for any coronavirus funding support since October 2020 with the exception of a small Discretionary Business Fund grant.
  • Business has not received an enforcement notice as a result of breaching Covid-19 regulations
  • Business is not in administration, insolvency or received notice to be struck off Companies House.
  • My business would normally have an annual turnover of more than £60,000
  • My business employ’s less than 50 staff
  • My business has suffered a negative financial impact from COVID-19 restrictions.

    Examples of business that may benefit from this fund.

    Trades – Construction, Plumber, Painter & Decorator, Joiner, Laundries etc. who have been restricted from entering people’s homes, or restricted site operations and travel.

    Kennels and catteries that have been restricted and seen a significant reduction.

    Auto repair/Garages with reduction in trade due to MOT delays and restrictions on staff and social distancing.

    Newsagents, takeaways and other retail that has remained open, had no access to other grants but have suffered from lower footfall and customer levels.

How to apply

To apply please complete the application form

Application Form PDF
Application Form Word

Please send the completed form with all required supporting documents to [email protected]

Please note, the Moray Council will only accept applications with supporting documents via email to this address. Please do not send hardcopies or emails to any of the other business support funds.

The Moray Council will start processing applications from 12 April 2021 onwards & please do not send follow up enquiries or emails, as it slows down the process.

Self-Employment Income Support Scheme

If you’re self-employed or a member of a partnership and have been impacted by coronavirus (COVID-19) you may be eligible to claim the grant.

You must make your claim on or before 29 January 2021.

To make a claim for the third grant your business must have been impacted by coronavirus on or after 1 November 2020.

You can make a claim for the third grant if you’re eligible, even if you did not make a claim for the first or second.

Who can claim

You must meet all the eligibility criteria to claim the third grant. Make sure you check this before submitting your claim.

What you will need to make your claim

You will need your:

  • Self Assessment Unique Taxpayer Reference (UTR)
  • National Insurance number
  • Government Gateway user ID and password
  • UK bank details including account number, sort code, name on the account and address linked to the account

Only provide bank account details where a Bacs payment can be accepted.

You may also need to answer questions about your passport, driving licence or information held on your credit file.

Read more information and apply online here

Scottish Government’s Business Support- Sources of Finance

The Scottish Government’s Business Support Sources of Funding webpage has further information on sources of finance such as:

  • Coronavirus Business Interruption Loan Scheme (for SMEs)
  • Coronavirus Large Business Interruption Loan Scheme
  • Help for the self employed
  • Creative Industries

Here is the link to the webpage

Further advice and support available can be found on the Scottish Government’s Business Support website-

UK Government Coronavirus Business Support Finder

The UK Government has launched an online portal that can help business find what support they are entitled to.

Here is the link-

Bounce Back Loan Scheme

The Bounce Back Loan Scheme (BBLS) enables smaller businesses to access finance more quickly during the coronavirus outbreak.

The scheme helps small and medium-sized businesses to borrow between £2,000 and up to 25% of their turnover. The maximum loan available is £50,000.

The government guarantees 100% of the loan and there won’t be any fees or interest to pay for the first 12 months. After 12 months the interest rate will be 2.5% a year.

The scheme is open to applications until 31 March 2021.

If you already have a Bounce Back Loan but borrowed less than you were entitled to, you can top up your existing loan to your maximum amount. You must request the top-up by 31 January 2021.
You can apply for a loan if your business:
  • is based in the UK
  • was established before 1 March 2020
  • has been adversely impacted by the coronavirus
If your business was classed as a business in difficulty on 31 December 2019 you’ll need to confirm that you’re complying with additional state aid restrictions.

Read more information & find a lender here

Coronavirus Business Interruption Loan Scheme (CBILS)

The Coronavirus Business Interruption Loan Scheme (CBILS) provides financial support to smaller businesses (SMEs) across the UK that are losing revenue, and seeing their cashflow disrupted, as a result of the COVID-19 outbreak.

CBILS has been significantly expanded along with changes to the scheme’s features and eligibility criteria. The changes mean even more smaller businesses across the UK impacted by the coronavirus crisis can access the funding they need.

Click here for more information and how to apply


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