Business loans and finance for the North
Fair, relationship-led finance to help businesses across the North start, develop and grow.
What do you need finance for?
Get your business off the ground with finance for start-up costs, equipment, stock, marketing and other early investments.
Keep your business moving when money going out doesn't always match money coming in. Finance can help support working capital and day-to-day operations.
Invest in your next stage of growth, whether you're hiring staff, increasing capacity, moving premises or reaching new customers.
Replace expensive short-term borrowing with finance that could better support your business and provide more manageable repayments.
Who we support and where we lend
We provide finance to businesses at different stage including start-ups, small businesses, and growing businesses.
We lend for a range of business needs including starting a business, managing cashflow, growing your business and refinancing existing borrowing.
We lend across Yorkshire and The Humber, the North East and the North West. Check your area to see whether we lend where your business is based.
A different kind of business lender
BEF is a not-for-profit Community Development Finance Institution (CDFI) that has helped businesses across the North access finance since 2004. We exist to help businesses start, develop and grow, creating jobs, opportunity and economic value across the communities we serve.
"There are brilliant founders and business owners across the North. We understand their ambitions, help them access finance and build more vibrant communities."
Doug Heseltine, Director of Investments
Hear from a business owner
See what it's like to work with BEF, in their own words.
The impact of our lending since 2012
Invested in startups and SMEs
Added to the regional economy
Jobs created or protected
New UK businesses created
Business finance FAQs
Find answers to common questions about business finance, from how much you can borrow to what finance can be used for. As a not-for-profit CDFI, we take a different approach to lending, so you can also find out more about how we work.
Better outcomes through partnership
We work with organisations across the public, private and third sectors to help businesses access the finance they need to move forward. By working together, we can strengthen businesses and help create more vibrant communities across the North.