Loans to start, grow and move your business forward

Funding from £500 to £250,000, backed by people who take the time to understand your plans, not just your numbers.

Find the right loan in 60 seconds
Befund
Befund

Growing businesses Strengthening communities

Every loan delivered by BEF helps ambitious startups and businesses move forward while creating jobs, opportunity and long term impact in the communities they serve.

Why choose BEF?

People first

Real people, not automated decisions.

Bigger picture

We look beyond the numbers and your credit score.

Fair funding

Designed to help businesses move forward.

Community impact

Every repayment supports more businesses.

How funding with BEF works

1. Tell us about your plans

Use our Loan Finder or speak to our team.

2. Meet your Loan Manager

Your dedicated point of contact throughout the process.

3. Build the right solution

We'll help shape the funding solution that best fits your business and goals.

4. Move forward with confidence

Funding and ongoing support when you need it.

What does your business need?

Starting a business

Turn your business idea into reality with funding and support from day one.

Explore Start Up Loans
Working capital

Create breathing space and keep your business moving with confidence.

Explore Momentum Loans
Growth and expansion

Invest in people, equipment, marketing or expansion.

Explore Momentum Loans
Refinancing

Replace expensive short term borrowing with a more sustainable funding solution.

Explore Momentum Loans

Funding built around your business

BEF Other lenders
Decisions
Human judgement
Decisions
Automated scoring
Approach
Understands your plans
Approach
Focused on the numbers
Support
Personal & ongoing
Support
Transactional
Assessment
Bigger picture
Assessment
Led by criteria
Pricing
Fair & transparent
Pricing
Headline rates
Purpose
Help you start or grow
Purpose
Generate returns
Impact
Community focused
Impact
Shareholder focused

More than funding

See why business owners consistently highlight the support, guidance and service they received from BEF.

    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

    "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 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

    "Excellent service. Helpful and knowledgeable team."

    Review by Karzan Hughes
    Karzan Hughes
    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

    "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

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

    Review by Наталия Талапина
    Наталия Талапина
    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

    "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

    "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

    "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

    "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

    "Julie made what I expected to be a complicated process, straightforward and simple. Her friendly approach and open and honest communication at every stage, made the whole experience a pleasure. Thanks for your support!"

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

    "Just completed a loan with BEF the whole experience was very professional and effective. I would not hesitate in recommending BEF to anyone. Emma was a pleasure to work with she helps and considers in depth the whole company situation with knowledge and decisions are made using real world experience."

    Review by Michael Dawes
    Michael Dawes
    Google
    5 out of 5 stars

    "Julie Micklethwaite has been amazing. She helped me access business start-up funding and made the whole process so much easier than I expected. She’s really supportive, easy to talk to, and explains everything clearly without making it feel complicated. I’m so grateful for her help and would definitely recommend her to anyone starting a business. Thank you Julie!"

    Review by Jenny Sharpe
    Jenny Sharpe
    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
    5 out of 5 stars

    "We had an excellent experience with the Business Enterprise Fund. Emma was incredibly helpful throughout the process—professional, efficient, and genuinely supportive. She managed to get our funding sorted within just a couple of days, which made a huge difference for our business. The entire process was straightforward and stress-free. We highly recommend the Business Enterprise Fund to any business looking for quick and reliable support. Thank you again, Emma and team"

    Review by Info Uyare
    Info Uyare
    Google

    In the last 12 months

    £ 25.6m

    Invested in businesses like yours

    £ 102.4m

    Added to the regional economy

    4,626

    Jobs impacted

    379

    New UK founders backed

    Things business owners ask us

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

    Still have questions? Talk to our team
    Could BEF fund my business?
    Will I be dealing with a real person?
    How is BEF different from other lenders?
    Do I need perfect credit to apply?
    How do I find the right loan?

    Better outcomes through partnership

    We work with trusted partners across the business support community to help more businesses access the funding and support they need to succeed.