Finance that fits your future
Whether you’re just starting out or scaling something great, we’ll help you find the right loan; fair, flexible, and focused on businesses across the North.
Your business is different. So is our funding.
Looking for business funding that actually fits your goals? Many online lenders use rigid criteria or offer one-size-fits-all solutions. We’re different. We offer tailored finance designed for ambitious Northern businesses ready to move forward.
Support that matches your ambition
You deserve finance that works with your goals. We offer fast, flexible loans with no hidden fees built to help your business grow, not hold it back.
As a not-for-profit lender and Community Development Finance Institution (CDFI), we look beyond credit scores to offer funding that’s flexible, fair and designed around your goals.
Compare your options
Whatever your goals, we offer tailored funding solutions designed to help you start, grow, and thrive.
Launch or early-stage growth
- Repay over 1 – 5 years
- 6% fixed interest rate
- No setup fees
- No early repayment fees
- Free business mentoring for 12 months
- Receive funds in 3 – 8 weeks
For bigger growth projects
- Repay over 1 – 5 years
- 13% + base interest rate
- 4% setup fees
- Low early repayment fees
- Dedicated relationship manager
- Receive funds in 2 weeks or less
For growing businesses in Yorkshire & The Humber
Fill the funding gap for growth and development projects.
- Repay over 1 – 5 years
- 13% + base interest rate
- 4% setup fees
- Low early repayment fees
- Dedicated relationship manager
- Receive funds in 2 weeks or less
Why businesses in the North choose us
We back the North
Born and based in the North, we know what makes local businesses tick. We’re here to help you build something brilliant right where you are.
Decisions made by people, not algorithms
We look at the whole picture, not just your credit score. Real conversations, real support from people who understand the region.
Flexible repayments
Repay over 1 to 5 years in a way that works with your cash. flow.
Funding that flows back into the North
As a not-for-profit, every repayment helps us support more businesses in the region. When you grow, the North grows too.
Whatever stage you’re at, our funding is built around your needs with fair rates, flexible terms, and personal support to help your business succeed.
Start your enquiryClient testimonials
We’ve helped thousands of businesses. Here’s what they have to say about our support.
"Our partnership with BEF has been instrumental in realising our growth aspirations. This NPIF loan has empowered us to better serve our community and expand our horizons."
Tomas Oppedal
"Throughout our journey so far, we have turned to BEF first for our funding requirements."
NovaLux
“The shop needed a lot of work to complete it so I used my own savings to get it just right. I then used BEF’s funding to help fill it with stock.”
Venture Cycles
“We'd like to say a huge thank you for all the support we've received from everyone involved in marketing Spark:York happen.”
“We were put in touch with Julie from BEF. She was absolutely brilliant and gave us all the help and advice we needed”
“They clearly understood our vision and the entire process was straightforward, taking the stress out of launching a brand new business.”
Jeff Ben Mayor
How to apply in four easy steps
Tell us about your business and funding needs
Fast decisions and clear terms
Fast decisions and clear terms
Use your funds to build your business
Finding the right funding can feel overwhelming, but it doesn’t have to. We're here to make the process clear, simple and fully tailored to you.
Start your enquiryFAQs about our loans
We’re here to help you move forward with clarity and confidence.
We work better together
By partnering with trusted organisations, we reach more businesses and boost our impact where it matters most.