Sometimes you don’t need a huge loan, you just need the right amount to smooth cash flow or fund your next move.

A £25,000 Small Business Loan from BEF is designed for businesses trading at least 12 months that want fair terms, quick decisions, and human support.

You may be a good fit if you can tick these boxes:

✅ Trading for 12+ months
✅ Sole trader or limited company based in the North
✅ Funds for working capital or growth plans
✅ Directors able to give a personal guarantee (if Ltd Co)
✅ Ready to share recent accounts, management information, and Open Banking access
✅ No active CCJs, IVAs, or similar arrangements

• Cover payroll or suppliers while waiting on invoices
• Smooth seasonal dips without stress
• Build a buffer for unexpected costs

• Hire your first employee
• Upgrade tools, tech, or equipment
• Refurbish your shop, office, or café
• Launch a marketing campaign to win new customers

Because BEF lets you keep more of your cash in the business to fund staff, stock, and growth instead of cashflow-squeezing repayments.

• With BEF: £25,000 over 5 years ≈ £621/month
• With a short-term lender: £25,000 over 2 years ≈ £1,541/month

That’s more than double the monthly cost, leaving less cash to run and grow your business.

Figures are illustrative. Actual repayments depend on your business and application. This is not a quote.