Loans to start, grow or steady your business

Borrow up to £250,000 with a partner that backs your ambition. Find the right loan for you in less than 60 seconds.

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Befund
Befund

A better way to fund your business

Banks can feel rigid. Other lenders can move quickly, but decisions are often automated and lack flexibility.

We sit in a different place.

As a not for profit lender, we focus on what your business could become, not just what it looks like today. Every decision starts with understanding your plans, your challenges and your ambition.

Funding that fits your next move

Start Up Loan (£500-£25k)

Just getting started? Turn your idea into something real with funding and support from a partner that understands what it takes to get a business off the ground.

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Momentum Loan (up to £250k)

Ready to move your business forward? Flexible funding to support growth, manage cash flow or replace expensive short term debt.

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Smaller Loan (£25k-£100k)

Growing your business in Yorkshire and the Humber? Access regional funding designed to help you invest, expand and take your next step with confidence.

Learn more

Which loan is best for you?

Find your loan

Finance that fits where your business is going

Befund

Starting a business

Turn your idea into something real, with funding and support that builds confidence from day one.

Start your journey
Befund

Working capital

Keep your business moving with flexible funding designed around how your cash flow actually works.

Strengthen your cashflow
Befund

Growth and expansion

Take your business further with funding that supports hiring, investing and scaling with control.

Fund your growth
Befund

Refinance

Create breathing space and move forward by replacing expensive short term debt with a more sustainable solution.

Improve your position
Befund

Not sure what fits your business best?

Find your best fit loan in less than a minute, or talk to our team for clear, practical guidance. Talk to our team

Find your loan

    Why choose BEF over other lenders?

    We look beyond the numbers

    Some lenders rely on rigid criteria. We take time to understand your plans, your market and your ambition before making a decision.

    We are fair by design

    As a not for profit lender, we do not answer to shareholders. Our focus is simple. Helping your business move forward with funding that is right for you.

    We make decisions with context

    Some lenders prioritise speed, but decisions are often automated and lack real understanding. Every BEF decision is made by experienced people who see the bigger picture.

    We invest in communities

    Every repayment is reinvested to support more businesses, helping create jobs, growth and stronger local economies.

    How BEF compares to other lenders

    BEF Other lenders
    Decisions
    Human judgement
    Decisions
    Automated scoring
    Flexibility
    Built around you
    Flexibility
    Fixed terms
    Support
    Continuous & Personal
    Support
    Transactional
    Pricing
    Fair pricing
    Pricing
    Headline rates
    Speed
    Fast with context
    Speed
    Fast decisions
    Focus
    Community impact
    Focus
    Shareholders

    Trusted by businesses at every stage

    Thousands of businesses have moved forward with our support. Here is what that looks like in practice.

      5 out of 5 stars

      "The whole experience so far with BEF has been exceptional. Sanni has been mega helpful in explaining what we need to get done to pass us onto the next stage. This is a huge thing for me and both Sanni and Amber have been so patient! Thank you so much, fingers crossed for the next stage"

      Review by Laura Armytage
      Laura Armytage
      Google
      5 out of 5 stars

      "Really helpful and quick service!"

      Review by Freddie Watson
      Freddie Watson
      Google
      5 out of 5 stars

      "Sanni has been brilliant with communicating with me helping me progress with my application. Thanks Sanni"

      Review by Kayleigh Little
      Kayleigh Little
      Google
      5 out of 5 stars

      "Excellent service and great support."

      Review by Andrew Fletcher
      Andrew Fletcher
      Google
      5 out of 5 stars

      "Sanni has been very helpful, friendly and quick to respond with all the queries throughout the process, and has followed up to ensure that deadlines were met when we were delayed in providing information."

      Review by Andy Priestley
      Andy Priestley
      Google
      5 out of 5 stars

      "Julie was super helpful with supporting us with a startup loan for our business."

      Review by Joe Murray
      Joe Murray
      Google
      5 out of 5 stars

      "Sanni was very helpful, fast responses and very informative made the experience easier"

      Review by JP
      JP
      Google
      5 out of 5 stars

      "Habib has been a great help, he helped my partner secure a loan for a business start up 3 years ago and now he has helped me. Always proffesional and more than happy to help."

      Review by Daniel Paryazani
      Daniel Paryazani
      Google
      5 out of 5 stars

      "Sanni has been absolutely brilliant throughout my Start Up Loans application. The support, guidance and communication have been excellent from start to finish. She has been patient, approachable and always willing to help with any questions or concerns, making what can be a stressful process feel much more manageable. I genuinely appreciate the time and effort Sanni put into helping me progress my application and keeping things moving as quickly as possible. I would highly recommend her support to anyone going through the Start Up Loans process. Thank you again for all your help."

      Review by Brad Jay
      Brad Jay
      Google
      5 out of 5 stars

      "I dealt with Sanni and she was incredible. She communicated well and treat us like people and not a commodity. She made us feel safe and she explained everything very clearly. I would highly recommend."

      Review by helen Taylor
      helen Taylor
      Google
      5 out of 5 stars

      "Sanni was extremely helpful throughout the whole journey"

      Review by CallMeGracie
      CallMeGracie
      Google
      5 out of 5 stars

      "Excellent service. Helpful and knowledgeable team."

      Review by Karzan Hughes
      Karzan Hughes
      Google
      5 out of 5 stars

      "Seamless process. Julie could not have been more helpful. Absolute pleasure to deal with."

      Review by Matt C
      Matt C
      Google
      5 out of 5 stars

      "Very helpful team :-) and Sanni is always there answering all the questions you may have"

      Review by Lucy W
      Lucy W
      Google
      5 out of 5 stars

      "Great services very qucik"

      Review by Dr Rakibul Hasan
      Dr Rakibul Hasan
      Google
      5 out of 5 stars

      "Worked with Julie and she made the whole process of applying for a Start Up Loan incredibly easy, what I imagined would be a headache was pretty straightforward thanks to her help! I would definitely recommend working with Befund, they're a great bunch of people who are genuinely invested in helping you."

      Review by Abby Cook
      Abby Cook
      Google
      5 out of 5 stars

      "Julie has been really helpful throughout. The process has been much easier than I expected. Thank you!"

      Review by Leona Phillips
      Leona Phillips
      Google
      5 out of 5 stars

      "Habib was a great help!"

      Review by Harry Wright
      Harry Wright
      Google
      5 out of 5 stars

      "Great experience, Habib was very helpful"

      Review by Kwesi Adarkwa
      Kwesi Adarkwa
      Google
      5 out of 5 stars

      "Excellent service and very active in helping with the application or communicating regarding the issues in application"

      Review by Jubrewar Manoj
      Jubrewar Manoj
      Google
      5 out of 5 stars

      "Sanni was quick, kind and helped me make the next steps for my application with ease. Thanks Sanni"

      Review by Ross
      Ross
      Google
      5 out of 5 stars

      "Amazing services and very friendly and professional advisors for achieving great results"

      Review by Наталия Талапина
      Наталия Талапина
      Google
      5 out of 5 stars

      "Really pleased with the support I've received, especially from Sanni. Professional, efficient and easy to do business with."

      Review by Kate Walls
      Kate Walls
      Google
      5 out of 5 stars

      "Excellent service from Sanni. Very supportive and knowledgeable. Highly recommended."

      Review by Tufstar De
      Tufstar De
      Google
      5 out of 5 stars

      "Very helpful staff"

      Review by Muhammad Yasir
      Muhammad Yasir
      Google
      5 out of 5 stars

      "Excellent service, Sanni was exceptionally efficient and effective in managing my startup loan application"

      Review by Stuart Harrison
      Stuart Harrison
      Google
      5 out of 5 stars

      "BEF we're brilliant and talked us through every step. Habib was always available to answer and questions we had and helped us get our loan in within tight deadlines. Thank you Habib"

      Review by Jack
      Jack
      Google
      5 out of 5 stars

      "Habib was quick to respond by email or phone, and always ensured I had clarity on the progress of my application for a start-up loan."

      Review by Joe McWilliams
      Joe McWilliams
      Google
      5 out of 5 stars

      "Julie was great from start to finish! A pleasure to deal with. Really friendly and helped me through every step explaining anything that I wasn’t sure about. Would recommend to anyone who is starting a new business and needing some help"

      Review by James Dransfield
      James Dransfield
      Google
      5 out of 5 stars

      "I applied for the a start-up loan through BEF and work with Sanni Tait & Jane Cusse, who were brilliant throughout. They were efficient, supportive and extremely helpful all the way through the process. I wouldn't hesitate to recommend BEF to anyone who is looking to secure funding, especially if they are lucky enough to deal with Sanni & Jane."

      Review by Danny Harrison
      Danny Harrison
      Google
      5 out of 5 stars

      "I worked with Habib who was fantastic in getting the loan pushed through. Prompt replies and able to answer any questions."

      Review by Jack O'connor
      Jack O'connor
      Google
      5 out of 5 stars

      "Sanni helped me with my application, she was quick to respond to my questions and was super helpful! I'd messed up part of the application, she was great at explaining how to do it properly and worked through it with me to get it finished. Thanks again Sanni."

      Review by Lanchana Green
      Lanchana Green
      Google
      5 out of 5 stars

      "Habib was great, super quick and professional with a quick response time."

      Review by j Smith (J)
      j Smith (J)
      Google
      5 out of 5 stars

      "Sanni was brilliant at every stage of the process and explained exactly what we needed to do to complete a successful application - an excellent service indeed!"

      Review by Aarif Merali
      Aarif Merali
      Google
      5 out of 5 stars

      "I worked with Habib from the BEF who helped me secure a loan to help fund my new business venture. He was very helpful and explained the whole process throughout very clearly. I would highly recommend their services, it was pretty seamless from start to finish. Thank you!"

      Review by J H
      J H
      Google
      5 out of 5 stars

      "Sanni really helpful"

      Review by Tom Sturman
      Tom Sturman
      Google
      5 out of 5 stars

      "Rowan was nothing short of phenomenal throughout this whole experience. With the expansion of my gym to a larger premises, I knew we would need funding to create the space I wanted. From the very beginning, Rowan did everything she could to support. It is a long-winded process at the beginning, but anything I was unsure of or did wrong, Rowan corrected and kept me on track. We successfully received the full 20k we applied for, and it has transformed the business and helped us grow amazingly! couldn't recommend more!"

      Review by Josh Hall
      Josh Hall
      Google
      5 out of 5 stars

      "I had an excellent experience working with Habib to secure my business loan. He was knowledgeable, responsive, and genuinely invested in helping me succeed. He guided me through every step of the process, made everything clear and stress-free, and worked hard to find the best possible option for my needs. I truly appreciate the professionalism and dedication, and I highly recommend their services to anyone looking for business funding support."

      Review by Shane Farenando
      Shane Farenando
      Google
      5 out of 5 stars

      "Dear Mr. Karimi, I would like to sincerely thank you for all the support and help you have given us. Your guidance has been extremely valuable, and whenever I faced any issues, you were always quick to respond to my emails and phone calls. I truly appreciate everything you have done for us and your continuous support throughout the process. Kind regards, Khosrow"

      Review by Khosrow Kargar
      Khosrow Kargar
      Google
      5 out of 5 stars

      "I had an excellent experience with Habib, throughout the loan application process. The support I received was professional, clear, and extremely helpful at every stage. I would highly recommend the service to anyone seeking guidance and assistance with securing business funding."

      Review by victor irimiya
      victor irimiya
      Google
      5 out of 5 stars

      "Sent over my plans to Sanni who gave me a call back to go through my business plan and cash flow, Sanni was very helpful and gave me great confidence that my business plan and cash were were at the right stage to move forward to the next step. Sanni did a great job, I would defiantly recommend her help on any ones application. A massive Thank You Sanni"

      Review by Simon Smith
      Simon Smith
      Google
      5 out of 5 stars

      "I applied for a Government Start Up Loan Habib Karimi at the Business Enterprise Fund (BEF) supported me to submit my application. Explaining everything simply and making the process run efficiently. He was professional and supportive. Fantastic experience and I received the funds quickly. He ensured he checked all the details and that I was lending an amount my business could afford. Highly recommend Thanks Laura from Organise Your Life With Laura"

      Review by Laura Royston
      Laura Royston
      Google
      5 out of 5 stars

      "Julie Micklethwaite at the Business Enterprise Fund (BEF) has been absolutely fantastic to work with. She has now successfully secured two invaluable start-up loans for my business, and the difference this extra cash flow has made to our development is huge. Julie was efficient, professional, and guided me smoothly through the whole process, making everything straightforward and stress-free. We’re really happy with the service she provided through BEF and very grateful for her support – highly recommended!"

      Review by Daniel Harvey
      Daniel Harvey
      Google

      Real impact for businesses and communities

      £ 21.8m

      Invested in businesses like yours

      £ 87.2m

      Added to the regional economy

      5,096

      Jobs created or protected

      500

      New UK businesses backed

      A fairer way to fund your business

      We are not a bank. We are not a short term lender. We are a not-for-profit organisation built to support businesses like yours.

      Find your loan
      Is BEF a bank?
      How is BEF different from other lenders?
      What does that mean for you?
      Could BEF fund my business?
      Will I be dealing with a real person?

      We work better together

      Working with partners who support business growth every day.

      Get in touch