Small Business Loan
Are you a small business looking to expand, invest in new opportunities, or manage cash flow? Our flexible business loans, offering up to £250,000, are designed to meet the unique needs of small businesses like yours.
Access finance without the hurdles
In today's fast-moving economy, small and medium-sized enterprises (SMEs) are crucial for innovation and economic growth. Yet, many find it hard to get the finance they need to grow and succeed. This is due to strict lending rules from traditional lenders, location disadvantages for businesses in less developed areas, unfair biases against certain industries, and systemic injustices affecting diverse business owners.
We tackle these issues directly by offering small business loans designed for the unique needs of SMEs in England and Wales.
Is a Small Business Loan right for you
To help you decide, here are some key factors that can indicate whether a Small Businss Loan is the right financial solution for your business needs.
Key features of our Small Business Loan
Generous loan amount
Borrow up to £250,000 to meet your business needs and fuel your growth.
Flexible repayment terms
Enjoy repayment options that extend up to 5 years, giving you the flexibility to manage your cash flow.
Competitive interest rates
Benefit from our attractive interest rates, designed to make your loan more affordable.
Broad applicability
Suitable for a wide range of business goals and sectors, including minimal setup and early repayment fees. Plus, we are an accredited provider of the Recovery Loan Scheme (RLS).
For early resettlement fees, please refer to Section (4) Repayments of our Terms of Engagement. A personal guarantee may be required where a RLS is unavailable.
Terms of engagementBEF is committed to fair finance
At BEF, we believe every business, regardless of its size, location, industry, or the background of its owners, deserves an equal chance to succeed. We are dedicated to providing fair and accessible financing solutions that help businesses overcome barriers and achieve their goals.
A BEF Small Business Loan offers flexible terms, a transparent application process, and the support you need to grow and thrive. When you choose BEF, you're choosing a partner committed to your success, empowering your business to reach its full potential.
Why choose BEF for a Small Business Loan
Customised loans
Our loans are flexible to fit your business, whether you need to improve cash flow, buy new equipment, or grow your operations.
Longer repayment terms
You can have up to 5 years to pay back the loan, which helps with your financial planning.
Quick funding
We aim to get funds to you within 2-3 weeks, so you don't miss out on important opportunities.
Personal support
You get one-on-one support from a friendly and knowledgeable, Investment Manager.
Our team makes loan decisions, not computers, so we understand your business's unique situation.
Get startedWhat our clients say
Our clients tell the story best, see how our loans helped them.
"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
"Throughout our journey so far, we have turned to BEF first for our funding requirements."
Ready to start?
Take the first step towards unlocking your business's potential. Enquire about a small business loan today. It only takes one minute.
Need to borrow less than £25,000
Secure a Start Up Loan ranging from £500 to £25,000, specifically designed for businesses who want to start or grow. This option is available to businesses that have traded for less than 36 months.
Tailored finance with personalised service
A personal approach to business
We don't do impersonal letters or automated phone services - every client gets connected with a real member of our team.
We don't rely on algorithms
We see each client as a unique individual, and we evaluate their business in the same personalised manner.
Personalised service tailored to you
Our loans are open to all sectors and are crafted to meet your specific needs.
Your financial partner beyond the loan
As your financial partner, we're here to support you every step of the way—even after your loan is delivered.
Various repayment options are available.
How the application process works
Tell us a bit about what you need for your loan. It only takes a minute to fill out. If we can help with your loan, we'll send you a link to a special application form.
Here's where you get into the details of your business. The questions are easy to understand and meant to help us figure out what you need. You'll also need to share some financial info using Open Banking.
We don't make decisions based on computer programs! At this stage, we might need a bit more information from you; your personal Investment Manager will reach out to you.
If your application is approved, it's time to go! We'll transfer the funds to your account, and you can start using them immediately. If your application is unsuccessful, we'll try to give you feedback and advice to help you move forward.
Here's how to apply. If you need assistance, feel free to email us anytime.
Your frequently asked questions
Have questions? We have answers. If you don't see your question here then reach out to us via our contact page.