Small business loans manchester

Flexible finance for businesses in Manchester.

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From textile hub to north west's dynamic powerhouse

Manchester, once the heart of the textile industry and a cornerstone of manufacturing, is now leading a dynamic transformation in the North West of England.

This shift is injecting new vitality into Manchester's economy, creating a plethora of opportunities for businesses. The environment is becoming increasingly conducive for start-ups and SMEs, driving economic growth and diversification in the region.

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What business loans are available

We provide flexible finance to support different business needs and stages. 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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Start up loan £500 to £25k

Kickstart your start-up business.


  • A 6% fixed interest rate
  • Flexible repayment 1 to 5 years
  • Up to 4 partners or directors
  • No arrangement fees
  • No early repayment fees
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Small business loan Upto £250k

For growing businesses.


  • 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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Overcoming funding challenges

It's no secret that small businesses and start-ups across Manchester find it difficult to access the funding they need to start or grow. Many are unable to meet the strict borrowing requirements of traditional lenders or overcome regional disparities, sector bias, systemic inequalities.

That's where BEF comes in. We help the region's business start, grow, and flourish with flexible finance. Whatever your needs, we can provide personalised financial solutions up to £250,000 that meet your specific business needs.

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Why choose BEF

Fair rates for Manchester

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

Local help from local experts

We have people from the area who know all about the local business environment. They tailor our services to give you spot-on advice and solutions.

Fast loan approval

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

We get Manchester

Our loans are built to tackle the challenges businesses face right here, offering real help that makes a difference to local businesses and communities.

We have built our loans to fit your business needs, and to tackle the unique problems you might face in the area. See how our different approach can your business take off.

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Flexible finance for businesses in manchester

Manchester, once the heart of the textile industry and a cornerstone of manufacturing, is now leading a dynamic transformation in the North West of England. This shift is injecting new vitality into Manchester's economy, creating a plethora of opportunities for businesses.

The environment is becoming increasingly conducive for start-ups and SMEs, driving economic growth and diversification in the region.

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

This action sends your information directly to our investment team, who will begin reviewing your request.

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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.

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.

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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?