Small Business Loans
Flexible business finance of up to £250,000 for small businesses looking to grow, invest, manage cash flow or refinance existing borrowing.
Check your eligibility
What is a Momentum Loan?
A Momentum Loan gives established small businesses access to funding of up to £250,000 for working capital, growth and refinancing.
You'll work with a dedicated Loan Manager who takes the time to understand your business, your plans and what you're trying to achieve.
See what a Momentum Loan can help you achieve
Hear from a business owner about their experience of working with BEF and how finance helped them take their business forward.
Momentum Loan at a glance
Momentum Loans are designed for small businesses that have been trading for at least six months and are ready to take their next step.
For working capital, growth and refinance
- Borrow: Up to £250,000
- Trading history: 6 months minimum
- Repayment term: Up to 5 years
- Loan Manager: Dedicated support
- Decision making: Human assessment
- Funding: Typically within 1–2 weeks
- Early repayment: Low fees
- Setup fee: 4.5%
What you need to know
Here's what you need to know about a Momentum Loan before deciding whether to apply
Why choose BEF for your Small Business Loan?
Lending decisions made by people
We look beyond the numbers to understand your business, your plans and what you're trying to achieve.
A dedicated Loan Manager
You'll have a dedicated point of contact who will guide you through the process, answer your questions and help you understand what's needed.
Funding built around your plans
Whether you're growing, investing, managing working capital or refinancing, we'll work with you to shape a funding solution around your needs.
A not-for-profit lender
As a Community Development Finance Institution, our purpose is to help businesses access fair finance and support economic growth in the communities we serve.
How to apply for a Momentum Loan
Tell us about your business, your funding needs and what you're looking to achieve.
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 work with you to shape a funding solution around your needs.
Once your application has been assessed and approved, we'll arrange your funding and explain the next steps.
Funding decisions are typically made within 1 to 2 weeks.
Check your eligibilityReviews from businesses owners
Read what business owners say about their experience with BEF and the support they received throughout the funding process.
"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"
Momentum Loan FAQs
Got questions about small business loans or Momentum Loans? Find answers to some of the most common questions below, or talk to us if you'd like to discuss your circumstances.