Small Business Loans are now Momentum Loans: Need working capital, capital expenditure funding, or to refinance costly short-term debt? One loan does it all.

Loans to start, grow or steady your business

I have been trading for
I would like to borrow

Borrow up to £250,000 on fair terms. Start your business. Scale with confidence. Find your loan in three clicks.

What our clients say

From first-time founders to growing businesses, thousands have unlocked their next step with our support. Here’s how Finance NW funding helped turn ambition into action.

    "This support [a Start-Up Loan from BEF] is not just financial; it's a vote of confidence in our mission, and we are excited to see how it propels us forward."

    Business Finance North West

    Esther Jaskolski

    Finance that fits your business goals

    Whatever you’re working on, the right loan can help you move forward:

    • Keep your cash flow steady
    • Hire and grow your team
    • Launch new products or services
    • Invest in tools, tech, or premises
    • Expand into new markets
    • Tackle the unexpected with confidence
    Not sure which loan fits? Talk to us
    Start Up Loan £500 to £25k

    For ambitious startup founders


    • For pre-starts and start-ups
    • Fund your start or growth
    • Low interest rates
    • 1–5 year repayments
    • 12 months free mentoring
    • Government-backed support
    Explore Start Up Loans
    Momentum Loan Up to £250k

    Grow with confidence


    • For scaling-up
    • Fund your growth
    • Competitive interest rates
    • 5 year repayments
    • Dedicated 1-2-1 Support
    • Fast decisions, funds in weeks
    Explore Momentum Loans

    Our impact in the last 12 months:

    £ 21.8m

    Invested in businesses like yours

    £ 87.2m

    Added to the regional economy

    5,096

    Jobs created or protected

    Banks say no, we say yes

    We see your story, your potential, and your plans not just a credit score. With BEF, every decision is made by people who understand business, not by algorithms. That means fair consideration, clear terms, and support that lasts.

    Talk to us about funding
    Is Finance North West a bank?
    How does that benefit me?
    How are BEF's decisions different to a bank?
    Could BEF fund my business?

    We work better together

    By partnering with trusted organisations, we reach more businesses and boost our impact where it matters most.

    Explore finance for your business