If you’re a sole trader or partnership, the business owners should apply.

For limited companies, all directors are required to apply.

In some cases, we may also ask shareholders who aren’t directors to be part of the application if they play a key role in running the business.

We offer Small Business Loans up to £250,000 on an unsecured basis, supported by a personal guarantee.

In some cases, we may ask for tangible security, depending on the size of the loan and our credit risk assessment.

Please note, Start Up Loans are always unsecured . we do not take security on Start Up Loans.

Every application is different but most Small Business Loans are completed within two weeks while most Start Up Loans are completed within 3 - 8 week.

We’ll keep you updated at every stage and let you know if we need anything from you to keep things moving.

Ready to turn your business idea into reality?

Send us a message using the form below and one of our team will be in touch to guide you through your next steps.

Let’s get started.

Looking for funding to grow your business? We’re here to help you make it happen.

Send us a message using the form below and our team will be in touch to discuss your options.

Let’s talk about what’s possible.

You can download our business plan template to help guide you through the process.

Each section includes helpful notes to support you as you complete it. Please provide as much information as you can under each section, bullet points are absolutely fine.

We recommend that you complete your own business plan, after all, no one knows your business better than you.

However, we can accept plans written by a third party, provided they are appropriately qualified.

Please note, your submitted plan doesn’t need to be perfect. Our Investment Managers will review it with you and help ensure the final version is fit for purpose before it goes to our lending panel for a final decision.

A forecast is simply your best estimate based on the information you have.

Some costs, like rent, rates, and utilities, are easier to predict. Sales figures can be harder, but your research into the market and customer demand should help you estimate these.

Once you start trading, you’ll be able to update your forecast based on real figures.

You can download our business plan template which includes a forecast template to help you get started, but we’re happy to accept forecasts in any format.

Yes, absolutely.

You don’t need to have savings or capital to apply for a loan with us. We’re here to help businesses access the funding they need to get started or grow.

We will consider all applications from individuals with a poor credit history, including those who are discharged bankrupts. All applicants should declare any CCJ's or bankruptcies on the application form.

You have reached Business Enterprise Fund. We are a separate business to The Enterprise Fund. You can contact the Enterprise Fund by email or phone using the details below.

• Email: [email protected]
• Phone: 0161 245 4977 (Press option 1)
• Office Hours: 8:30am - 5.00pm, Monday to Friday

If your loan reference number begins with BEF, SBC, or NPI 

Your loan is with BEF. Please use the form below to contact us for support. Be sure to select the 'I want support with an existing Small Business Loan' under the option 'How can we help you?'

If your loan reference number DOES NOT begin with BEF, SBC, or NPI 

You should contact GC Finance for support:

• Email: [email protected]
• Phone: 0161 245 4977 (Press option 1)
• Office Hours: 8:30am - 5.00pm, Monday to Friday

Let’s talk about how we can assist with your BEF/NPIF loan.

Please use the form below to contact us for support. Be sure to select the 'I want support with an existing Small Business Loan' under the option 'How can we help you?'

To speed up assistance, please quote your loan reference numbers. They will start with BEF, BSC or NPI.

You should contact the Enterprise Fund which is a separate business to BEF:

• Email: [email protected]
• Phone: 0161 245 4977 (Press option 1)
• Office Hours: 8:30am - 5.00pm, Monday to Friday

You should contact your GC Finance immediately and let them know your situation.

It is always best that you speak to them if you believe you may not be able to make your next repayment rather than wait until the payment is missed.

Contact the Enterprise Fund:

• Email: [email protected]
• Phone: 0161 245 4977 (Press option 1)
• Office Hours: 8:30am - 5.00pm, Monday to Friday