Grow your business

Imagine your business reaching a point where growth demands more support than a Second Loan can offer. That’s when a Small Business Loan becomes your powerful next step.

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What is a Small Business Loan

Small Business Loans are an affordable way to continue building your business. They are a great way to expand, invest in new opportunities, or manage cash flow. Our flexible business loans, offering up to £250,000, are designed to meet the unique needs of growing small businesses like yours.

What business loans are available

We support the different business needs and stages of businesses across England and Wales. So, no matter your sector, the size of your business or how long you’ve been trading, we have a loan that can be tailored to fit your needs.

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Small Business Loan Up to £250k

For businesses with larger projects.


  • Competitive interest rates
  • Flexible repayment 1 to 5 years
  • Get funds within 2-3 weeks
  • Minimal setup fees
  • Minimal early repayment fees
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NPIF II Smaller Loan £25k - £100k

For growth and development projects.


  • Drives sustainable economic growth
  • Provides diverse finance options
  • Supports businesses in Yorkshire and the Humber
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How can my business use a Small Business Loan

Working capital

This is for the everyday money needs like paying your team, covering bills, and other regular costs.

Start-up costs

Got a new business idea? Use the loan for starting out costs like getting licenses, permits, and buying your initial gear.

Scaling up

Ready to make your business bigger or go into new areas? There’s money to support that move.

Stock

Need stuff to sell or materials to make your products? The loan can help buy all that.

Technology

If you need new machines, tools, or the latest tech to help your business grow, you can use the loan for that.

Property

Whether you’re buying a new place for your business, fixing up your current one, or giving it a makeover, there’s cash for that.

You can use a business loan to support a wide range of business activities.

Why choose BEF

Fair rates for you

Our interest rates are set to match what's going on in England and Wales, making it easier for businesses to grow without getting weighed down by costs.

Support from finance experts

Our team is made up of finance experts who understand the business landscape in England and Wales. We tailor our services to provide you with the most relevant advice and solutions for your business.

Fast loan approval

We get your loan sorted quickly so you can jump on opportunities or sort out problems without delay.

We understand small businesses

Our loans address the challenges that small businesses face, providing real support that makes a meaningful impact on businesses and communities in England and Wales.

We’ve designed our loans to meet the specific needs of your business, addressing the unique challenges you may encounter. Discover how our innovative approach can help your business start, grow, and thrive.

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What our clients say

We measure our success by the achievements of the businesses we support. Here’s what some of our clients have to say about their journey with us.

    "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."

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    The Eye Store

    "The BEF funding has allowed us to fast-track the development of our passive homes, and we are thrilled to see our vision becoming a reality. We’ve already seen a tremendous impact, from the creation of jobs to the sustainable living solutions we are providing for families."

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    PureHaus

    Your frequently asked questions

    Have questions? We have answers. If you don't see your question here then reach out to us via our contact page.

    Get in touch
    Is my business eligible?
    What can I use a BEF small business loan for?
    How long does an application take to be approved?
    Can I use a small business loan to start a new business?
    How do I apply for a small business loan from BEF?
    How do I grant permission for BEF to access my financial data using Open Banking?
    What is a personal guarantee?

    How do I get started

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    1. Fill out enquiry form

    Complete our online enquiry form. It takes just a minute.

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    2. Submit the form

    By submitting, your information goes directly to our investment experts for review. Enable Open Banking for a faster loan decision, without the hassle of extensive paperwork.

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    3. Await contact

    A member of our investment team will get back to you within two working days.

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    4. Receive guidance on next steps

    They'll guide you on your next steps, including how to complete a full application.