According to HMRC, cycle-to-work schemes should be available to all employees with no groups of employees excluded. However, a salary sacrifice arrangement cannot be used if in so doing the employee’s gross pay would drop below the national minimum wage.
​
Your plan calculator will alert you if you drop below NMW after deduction of your hire fees. In such an event your application will be automatically declined. What may help is one of the following:

If none of these work, we advise that you consult with your employer. Some companies may be able to offer alternative solutions so that you can still enjoy the benefits of cycling (eg. loaning you a bike without salary sacrifice or bike pooling).