Read our 2024 impact report

Flexible business loans up to £250k to start or grow

I have been trading for

Under 3 years Over 3 years

and would like to borrow

Upto 25k 25k to 250k

Apply for a loan

Amity Brew

SeaGrown

Get up to £250k to start or grow your business.

Breaking barriers to business finance

Many small businesses struggle to access the funding they need to grow. At BEF, we make it simple.

We provide flexible, tailored finance solutions to help businesses launch, scale, and succeed – without hidden fees or complicated processes. Whether you're just starting out or expanding, our loans give you the financial boost you need, with expert support along the way.

Explore our business loans

Helping businesses thrive: our impact in the last 12 months

£ 21.5m

Of client investment

£ 86m

Added to the region's economy

599

New UK businesses created

4,470

UK jobs created or safeguarded

Start or grow with the right loan for you

Your business is unique, and your funding should be too. That's why we provide tailored finance solutions built around your needs, with expert support at every step.

Every decision is made by people, not computers, giving you a truly personal experience.

Start Up Loan £500 to £25k

Start or grow your own business.

Fixed 6% fixed interest rate
Repay over 1 to 5 years
Up to 4 partners or directors
No arrangement or early repayment fees
12 months of free mentoring
Government-backed

Check your eligibility

Small Business Loan Up to £250k

Grow your established business.

Competitive interest rates
Repay over 1 to 5 years
Funds available within 2-3 weeks
Minimal setup & early repayment fees
1-2-1 support from an investment expert
GGS support available

Enquire now

See how we’re helping businesses grow

We measure our success by the real impact we make. Hear from the businesses we’ve supported and see how our funding has helped them thrive.

“As a first-time entrepreneur, starting my own business was intimidating, but the BEF team helped with the whole process, giving me the confidence to push forward. It is great what I have been able to achieve so far and I look forward to continuing this growth trajectory.”

David Jameson

Danelaw Coffee

“This investment from BEF is a game changer for us. It will allow us to reach even more mums across the UK, expand our team, and enhance the support we offer."

Kayleigh Laverick

Mamma Social Co

"The £70k loan from BEF and Ceniarth has allowed for product manufacturing and marketing activities; without this money and the support from my investment manager Antony, this wasn’t going to be possible."

Chris Withers

Mi-BoxLive

“The Start Up Loan from BEF was a game-changer for me, allowing me to transform my vision of owning my own salon into reality and create a space that not only stands out aesthetically, but also embodies the values of community and inclusivity.”

Sara Razzaq

Nova Salon

"Our partnership with BEF has been instrumental in realising our growth aspirations. This NPIF loan has empowered us to better serve our community and expand our horizons."

Tomas Oppedal

The Eye Store

“They clearly understood our vision and the entire process was straightforward, taking the stress out of launching a brand new business.”

Jeff Ben Mayor

The Spine Guy

"Working with NPIF II and BEF helped us access the finance we needed quickly to support our fast growth, and we are now looking to launch the app by the end of September."

Caine Wild

Wild Intervention

"This support [a Start-Up Loan from BEF] is not just financial; it's a vote of confidence in our mission, and we are excited to see how it propels us forward."

Esther Jaskolski

Xtra9ce Wigs

Business finance made simple

Too many small businesses struggle to secure funding at the right time. We’re here to change that.

Our tailored finance solutions remove the barriers, making it easier for businesses to access the funding they need to grow and strengthen their communities.

Who can apply for a loan?