A lender that works with you to get deals done

We work with start-ups, small businesses and growing businesses across our lending areas. We can also consider businesses that have struggled to access traditional bank finance. See who we help

A previous decline does not automatically mean we can or cannot help. We assess each application against our own lending criteria and the circumstances of the business.

Yes. Momentum Loans can be used to refinance expensive short term borrowing, helping clients improve cash flow, simplify repayments and create a stronger platform for future growth.

Yes. If you're unsure whether BEF is appropriate for a client, get in touch and we can discuss the case at an early stage.

This depends on the circumstances and complexity of the case. We aim to give brokers a clear outcome as efficiently as possible and will tell you what we need to progress an application.

Yes. Every case is assessed by a BEF Loan Manager, not a faceless algorithm. You’ll always have direct access to the person making the call.

We'll tell you if the case isn't right for us rather than asking you to submit an application with little prospect of success.

Yes. While we have a strong presence across Yorkshire and the Humber, the North East and the North West, we also provide funding to eligible businesses across England and Wales through our loan options. Eligibility depends on the type of funding you're looking for and where your business is based.

If you're unsure whether a client is within our lending footprint, speak to our team and we'll quickly confirm the options available.

We work closely with both brokers and clients throughout the application process. We aim to keep communication clear, responsive and transparent from initial enquiry through to completion.