Start or grow your business

For over 20 years, we’ve been empowering businesses with the financial support they need to grow, innovate, and create local jobs. Whether you're launching a new venture, expanding operations, or overcoming challenges, our tailored finance solutions are designed to help you succeed.

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Tailored financing with real impact

Borrow up to £250k

Get the funds you need to start or grow your business with loan amounts tailored to your requirements.

Competitive interest rates

We offer attractive rates to make financing more affordable.

Flexible repayments

Repay over 1 to 5 years with terms designed to match your cash flow.

For all business types

Funding is available for start-ups, scale-ups, and established businesses across all sectors.

Our financing solutions are crafted with your unique needs in mind, offering competitive rates, flexible terms, and personalised support.

About us

Funding options to power your business

Whether you're starting fresh or scaling up, our tailored finance solutions provide the support you need.

Use our funding to boost cash flow, invest in equipment, expand your team, purchase stock, or handle unexpected expenses, helping your business thrive at every stage.

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Start Up Loan £500 to £25k

Start or grow your business.


  • A 6% fixed interest rate
  • Repay over 1-5 years
  • Up to 4 partners or directors
  • No arrangement or early repayment fees
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Small Business Loan Up to £250k

Expand your business.


  • Competitive interest rates
  • Repay over 1-5 years
  • Get funds within 2 weeks
  • Minimal setup fees and early repayment fees
Learn more

Fuelling growth across Yorkshire & The Humber

NPIF II Smaller Loan £25k to £100k

NPIF II Smaller Loans can be used to fill the funding gap for growth and development projects.


  • Competitive interest rates
  • Repay over 1-5 years
  • Get funds within 2 weeks
  • Minimal setup fees and early repayment fees
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How it works

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1. Enquire

Fill out our quick online form to express your interest.

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2. Work with us

Get expert guidance on the right funding option for you.

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3. Get your loan offer

Receive tailored financing with flexible repayment terms.

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4. Receive funding

Grow your business!

Navigating the path to business funding can be daunting, by following our step-by-step guide, it’s straightforward and transparent.

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Client testimonials

The true impact of our support is seen in the businesses we help thrive. Hear firsthand from entrepreneurs who have turned their ambitions into reality with our funding.

    "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."

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    Tomas Oppedal

    "Throughout our journey so far, we have turned to BEF first for our funding requirements."

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    NovaLux

    “The shop needed a lot of work to complete it so I used my own savings to get it just right. I then used BEF’s funding to help fill it with stock.”

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    Venture Cycles

    “We'd like to say a huge thank you for all the support we've received from everyone involved in marketing Spark:York happen.”

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    “We were put in touch with Julie from BEF. She was absolutely brilliant and gave us all the help and advice we needed”

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

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    Jeff Ben Mayor

    Your questions answered

    We know that securing the right financial support can feel overwhelming. That’s why we’ve compiled clear, straightforward answers to the most common questions, helping you make informed decisions with confidence.

    Contact us
    Who should apply?
    How long does the process take?
    Do you take security?
    I do not have any capital to invest in my business, can I still apply?
    I have a poor credit history, will you still consider my application?
    How do I create a business plan?
    Can I get a third party to complete a business plan for me?
    How can I complete a forecast for a new start-up?
    Is a Start Up Loan a grant?
    Can I submit a business plan and forecast in my own format when applying for a loan from BEF?
    Alternative ways of applying?
    How do I apply for a Start Up Loan?