A funding partner that makes deals easier to place

For founders launching a business or trading for up to five years.

• Up to £25,000 per founder
• Up to £100,000 per business
• Government-backed funding
• Ideal for startups and early-stage growth
• Available across England, Wales, Scotland and Northern Ireland

Learn more

For established businesses ready to take their next step.

• £25,000 to £250,000
• Growth funding
• Working capital
• Refinance of expensive short term debt
• Businesses trading 6+ months
• Available across England and Wales

Learn more

For businesses based in Yorkshire and the Humber.

• £25,000 to £100,000
• Growth and expansion projects
• Backed by NPIF II
• Available across Yorkshire and the Humber

Learn more

We support startups, growing businesses and established SMEs through Start Up Loans, Momentum Loans and NPIF II Smaller Loans. Funding is available from £500 to £250,000 depending on the product and funding requirement.

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 regularly support growth projects, working capital requirements, equipment purchases, stock purchases, expansion plans and the refinance of expensive short term debt.

Funding is available from £500 to £250,000 across our lending products:

• Start Up Loans: £500 to £25,000 per founder
• Momentum Loans: £25,000 to £250,000
• NPIF II Smaller Loans: £25,000 to £100,000

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

Yes. Every broker relationship is supported by a dedicated Loan Manager who can discuss cases, answer questions and provide updates throughout the process.

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.

Timescales vary depending on the complexity of the case and the information provided. We pride ourselves on responsive communication and efficient processes, with many funding decisions provided within weeks rather than months.

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.

We combine human decision-making, dedicated support and a relationship-led approach. As a not-for-profit lender, we're focused on helping businesses move forward rather than maximising shareholder returns.

A brief overview of the business, the funding requirement and the purpose of the funding is usually enough for an initial conversation. Our team can then advise on next steps and any additional information required.