Business loans up to £250,000
Explore small business loans, Start Up Loans and business finance of up to £250,000 for growth, working capital, equipment purchases and refinancing. As a direct lender, BEF provides funding and support tailored to your business needs.
What is a Business Loan?
Business loans help businesses start, grow and invest, supporting everything from working capital and equipment purchases to growth projects and refinancing. Whatever your ambitions, the right funding can help turn them into action.
Our finance options
We provide different types of finance for different business needs.
Explore our main options below, or use Find your finance if you're not sure which option may suit you.
Personal borrowing for business use
- Up to £25,000 per founder
- For eligible founders
- Trading up to 5 years
- Set up costs
- Working capital
- New premises
- Equipment and stock
- Marketing
Funding for growth, working capital and refinancing.
- Up to £250,000
- For eligible businesses
- Trading 6+ months
- Working capital and cashflow support
- Growth and investment projects
- Refinancing existing borrowing
What are you looking to achieve?
Turn your idea into a trading business with funding that can help cover start-up costs, equipment, stock, marketing and other early investments.
Invest in recruitment, expansion, new contracts, additional capacity or new markets to help your business move forward.
Keep your business moving when money comes in later than it goes out. Funding can help support working capital and day-to-day operations.
Spread the cost of vehicles, machinery, tools, technology and other assets that help your business work more efficiently and take on more opportunities.
Replace expensive or unsuitable borrowing with finance designed to better support your business plans and future growth.
Act on new contracts, customer demand or expansion opportunities with funding that helps you move quickly and confidently.
Find your finance
Not every business needs the same type of finance. Find your finance helps you explore the options that may suit your business, needs and plans.
Why businesses choose BEF
Built around businesses
Our finance options are designed to support founders and businesses at different stages of their journey.
More than one finance option
From government-backed Start Up Loans to finance for growth, investment, working capital and refinancing, we support a range of business finance needs.
A relationship-led approach
We take the time to understand your business, your plans and what you're looking to achieve.
Not for profit
We're a Community Development Finance Institution (CDFI) supporting businesses and communities across the North of England.
Direct lending decisions
As a direct lender, we make lending decisions in-house and work directly with businesses throughout the funding process.
You'll deal with experienced Loan Managers who take the time to understand your business, your plans and your funding requirements.
Who we support
From start-ups to established businesses, find out who BEF supports and explore finance based on your business stage.
Explore who we helpWhere we lend
Find out where BEF provides finance across the North of England and check whether we lend in your area.
Explore where we lendBusiness Loan FAQs
Find answers to common questions about business loans, business finance and funding options.