✔ You need funding to start or grow your business
✔ You’ve got a clear plan for how the loan will help
✔ You want a lender who listens and understands your story

✘ You want a loan amount exceeding £250,000.
✘ You’re looking for a grant or non-repayable funding
✘ You’re unable to make regular repayments
✘ You don’t have a clear use for the loan

If you’ve been trading for less than 36 months, a Start Up Loan could be a better fit, with lower interest rates and no fees designed to help new businesses get started.

You can use a Small Business Loans to support a wide range of business activities:

• Start-up costs: funding to help turn your idea into reality
• Premises: buy, renovate or improve your business space
• Stock: purchase inventory or materials to meet demand
• Working capital: cover everyday costs like wages and bills
• Equipment & technology: invest in tools or tech to help you grow
• Marketing & advertising: promote your business and reach new customers
• Scaling up: expand into new products, services or locations

Banks use rigid criteria based on traditional credit scoring and industry risk models. We take a more holistic approach, considering your business’s potential, cash flow, and real-world performance.

Unlike many lenders, we fund businesses in all sectors and those typically seen as high risk, including:

• Hospitality & retail
• Construction & trades
• E-commerce & start-ups
• Seasonal businesses

To be eligible for a Small Business Loan, you must:

• Be at least 18 years old
• Be a sole trader, partner, or director of a UK-based business
• Need to borrow up to £250,000
• Use the funds for business purposes

We work to deliver your funds in two weeks or less. This depends on the loan's complexity and how quickly you provide all necessary documents. Your Investment Manager can offer more detailed information on this.

Yes, however, if you want to fund a start-up business you should consider a government-backed Start Up Loan.

To apply for a Small Business loan, simply complete our enquiry form. Once complete, a member of our investment team will respond within two working days.

We use Open Banking to help us make a decision to lend. To fast track a decision, you must grant access to your financial data using our Open Banking portal: https://connect.consents.online/BEFcommercial.

We use Open Banking to help us make a decision to lend. We only request permission to see the information we need to provide a loan to you.

To grant access, please visit https://connect.consents.online/BEFcommercial.

A Personal Guarantee is taken to back-up our loans. It is a legal promise that in the event the borrower company fails to make repayments of the loan, the lender can ask the guarantor to make payment on the borrower’s behalf.

For more information, please read our Personal Guarantee Notice.