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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Our Loans
Start Up Loan Second Loan (startup) Small Business Loan Refinance Loan NPIF II Smaller Loan
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Yorkshire & the Humber North East North West
About Impact Blog
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Ask about funding Ask for support
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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
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Knowledge Hub How to break free from expensive short-term debt
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Knowledge Hub Why BEF business loans beat online lenders
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News British Business Bank reaches £2.5bn lending milestone for its Growth Guarantee Scheme
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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

All blog posts

Knowledge Hub How to Turn the Tables on Expensive Short-Term Debt (and Why Cashflow Is Your Business’s Oxygen)
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Client Stories Tuning Into Growth: Longwave Digital Scales Up With Start Up Loan Support
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Podcast A Rocket Boost for Business Growth with the Human Touch: Michelle Atkinson, Apollo Cloud
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Apollo Cloud
Client Stories Painting the path to success: MJH Art Studio grows with a £12,500 Start Up Loan funding from BEF
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MJH Art Studio
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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Client Stories Forging a Future: AMS Welding and Fabrication Ltd Thrives with a Start Up Loan
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Pictured, from left to right, are Scott Hall, co-founder of AMS Welding and Fabrication Ltd; Claire Constable, investment manager at BEF; Bill Hartshorne, business advisor at TEDCO; and Ali Balçin, co-founder of AMS Welding and Fabrication Ltd
Knowledge Hub What is a CDFI?
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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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