From the 6th April 2026 the Start Up Loans fixed interest rate for new applications is changing to 7.5%. Eligibility criteria for a first Start Up Loan is being extended to businesses that have been trading for up to 60 months.
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Start Up Loan Second Loan (startup) Small Business Loan Refinance Loan NPIF II Smaller Loan
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Start Up Loan

Just getting started? A Start Up Loan can help you take that first big step with the funding and support to start or grow your business.

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Refinance Loan

Why let £1,000s slip away in costly repayments? Refinance your short-term debt into fair terms and keep more of your money working for your business.

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Insights & inspiration

All articles Client Stories Podcast News BEF North East Funded Events Knowledge Hub
Matt from Puzzling World and Duane from BEF
Client Stories The Puzzling World of Professor Kettlestring in York secures NPIF II funding to launch unique tourist attraction
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Sue and Paul Sadler of Birdforth Hall
Client Stories Beloved Yorkshire wedding venue restored with the help of Start Up Loan
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Client Stories Leeds city centre South Indian restaurant Uyare expands with NPIF II and BEF investment
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Upcoming events and workshops

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Events Why the North East Is the Best Place to Start a Business – And It’s Time We Talk About It
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Kick Off Startup Awards North East 2025 with Biz 'N' Bait Read blog
Unlock Business Growth in 2025 with AD:VENTURE Workshops & Events Read blog

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Client Stories Grimsby children’s role play centre launches with Start Up Loans support
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Client Stories Wool and truly thriving: How a Start Up Loan helped Pretty Knits Wool Shop flourish
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Client Stories Pioneering new men’s fertility support platform boosted by Start Up Loan
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News FPC Gold Award for BEF recognises best supplier payment practice
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News Labour backbenchers fighting to bring opportunity back to low-income areas
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Westminster
Client Stories Creating Space for Change: Make a Difference Provision Expands with Small Business Loan Support
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How to Escape the High Interest Business Loan Trap with SME Champion Steve Waud
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Business & Enterprise Finance Ltd t/a Business Enterprise Fund is authorised and regulated by the Financial Conduct Authority, reference number 726237. BEF NE (2) Ltd is authorised and regulated by the Financial Conduct Authority, reference number 717726.

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