11 reasons our loans are not the right fit for you
We pride ourselves on offering tailored financial solutions that help businesses grow. But let’s be honest, we’re not the right fit for everyone.
If you’re looking for just any lender, you might find that we’re a little different. We believe in transparency, so here are ten reasons why you shouldn’t work with us.
1. You want a traditional bank loan
If you’re after a rigid, one-size-fits-all loan from a big high-street bank, you won’t find that here. We offer flexible, tailored finance that suits your business’s unique needs. Our focus is on support, not just transactions.
2. You want to borrow more than £250,000
We specialise in providing tailored financial support for small and medium-sized businesses, offering loans of up to £250,000. Our focus is on accessible, responsible lending that fuels growth while ensuring businesses take on sustainable, manageable debt.
If you require funding beyond our limit, we may not be the right fit.
3. You’re looking for the cheapest option
We’re not the cheapest lender, and we don’t pretend to be. What we offer is value – flexible funding, personalised support, and a team that genuinely cares about your success. If the lowest interest rate is your only priority, we might not be for you.
4. You expect instant decisions
We take the time to understand your business, meaning we don’t approve loans with an automated ‘computer says yes/no’ system. If you want a lender that just ticks boxes without considering your circumstances, you might want to look elsewhere.
5. You want a computer to make your lending decision
If you prefer an automated system to assess your loan application rather than a real person who understands your business, we’re probably not the right choice. At BEF, we believe lending decisions should be made with insight, experience, and a genuine interest in your success – not just an algorithm.
6. You’re not interested in social impact
We reinvest our profits into communities and focus on funding businesses that make a difference. If you’re not interested in being part of something bigger – creating jobs, supporting local economies, and making a real impact – our approach may not align with yours.
7. You don’t want a relationship with your lender
Many lenders will give you money and never check in again. We build long-term relationships with businesses, offering ongoing support to help you thrive. If you don’t see the value in a financial partner who genuinely cares, we’re not the right fit.
8. You need an investment-ready business plan right now
We support businesses at all stages, but if you need a lender who requires you to have everything perfectly in place before even considering you, we’re not that. We help businesses develop their plans, not reject them for not being perfect from the start.
9. You think alternative finance is too complicated
If you believe anything outside traditional banking is too complex, we get it. But we simplify the process and make accessing funding straightforward and transparent. If you’re not willing to explore different finance options, we might not be for you.
10. You’re not open to growth
We work best with businesses that want to grow – whether that’s hiring more staff, launching new products, or expanding into new markets. If you’re content with staying where you are and don’t want to push your business forward, we might not be the right match.
11. You don’t care who funds you
Some businesses don’t care where their funding comes from, as long as they get it. But at BEF, we believe in ethical finance, responsible lending, and investing in businesses that drive positive change. If that doesn’t matter to you, we might not be your ideal choice.
So, Are We a Good Fit for You?
We know we’re not for everyone, and that’s okay! But if you’re looking for a lender that offers flexible finance, genuine support, and a partnership that goes beyond the numbers, we’d love to chat.
Let’s talk about how we can help your business grow.