Loans built around your next move
Up to £250,000 for growth, working capital and refinancing, backed by people who take the time to understand your business.
Start your applicationMomentum Loans in numbers
Invested in growing businesses
Loans delivered
Jobs created and protected
Invested in diverse entrepreneurs
What is a Momentum Loan?
A Momentum Loan gives businesses access to flexible funding of up to £250,000 for growth, working capital and refinancing.
Invest in equipment. Hire staff. Buy stock. Expand into new markets. Move forward with confidence.
You'll work with an experienced Loan Manager who take the time to understand your business and build the right funding solution around your needs.
For growth, working capital and refinancing
- Up to £250,000 per business
- Dedicated Loan Manager
- Funding decisions made by real people
- Funds typically in 1–2 weeks
- Competitive interest over 5 years
- Low early repayment fees
- 4.5% setup fees
Why businesses choose a Momentum Loan
| BEF | Traditional lenders | |
|---|---|---|
| Working capital |
Working capital
Designed for growth
|
Working capital
Often restrictive
|
| Refinancing |
Refinancing
Replace expensive short-term debt
|
Refinancing
Not always available
|
| Pricing |
Pricing
Fair & transparent
|
Pricing
Headline rates
|
| Trading history |
Trading history
6 months minimum
|
Trading history
Typically 2 years
|
| Decision making |
Decision making
Real people
|
Decision making
Automated systems
|
| Support |
Support
Dedicated Loan Manager
|
Support
Often limited
|
| Approach |
Approach
Understand your plans
|
Approach
Focused on the numbers
|
| Purpose |
Purpose
Help you grow
|
Purpose
Shareholder returns
|
Why choose a Momentum Loan from BEF?
Refinance expensive short term debt
Move away from costly short term borrowing and onto a funding solution designed to support longer term business growth.
Human judgement
Your application is assessed by people who take the time to understand your business, not just automated scoring systems.
Dedicated support
You'll work with an experienced Investment Manager throughout the process, providing guidance from enquiry to funding.
Funding with purpose
We're focused on helping businesses grow and communities thrive, not maximising returns for shareholders.
Ready to take the next step?
Start your applicationReady to move forward
Whether you're investing in growth, strengthening cash flow or looking to refinance expensive short term debt, the first step is simply a conversation about your plans.
Real reviews from businesses like yours
Every business has a different goal. See how funding and support from BEF helped business owners grow, strengthen and move their business forward with confidence.
"Excellent service and great support."
"Excellent service. Helpful and knowledgeable team."
"Excellent service and very active in helping with the application or communicating regarding the issues in application"
"Amazing services and very friendly and professional advisors for achieving great results"
"Very good customer service and helped me all the way through with no worries. Emma was very good at every stage in leading me to get my loan, many thanks to her and her team!"
"Just completed a loan with BEF the whole experience was very professional and effective. I would not hesitate in recommending BEF to anyone. Emma was a pleasure to work with she helps and considers in depth the whole company situation with knowledge and decisions are made using real world experience."
"Can't think you all enough with your help without a doubt fantastic and helpful from day one"
What happens next
Share your business goals and funding needs using our application form or by speaking to our team.
You'll work with a dedicated Loan Manager who will guide you through the process and answer your questions.
We'll take the time to understand your business and shape a funding solution that supports your goals.
Once approved, you'll receive your funding and ongoing support from a team that understands your business.
Funding decisions are typically made within 1 to 2 weeks.
Start your applicationQuestions businesses ask before they apply
Key things you need to know to apply with confidence. If you don’t see your answer here, our team’s just a message away.