Flexible loans for North West businesses

Q: Could Finance North West fund my business?

If you're starting, growing or looking to strengthen your business, there's a good chance we can help. We offer funding from £500 to £250,000 and will always take the time to understand your business before recommending the most suitable option.

Q: Will I be dealing with a real person?

Yes. From your first enquiry onwards, you'll deal with experienced people who take the time to understand your plans, answer your questions and support you through the process.

Q: How is Finance North West different from other lenders?

We're a not for profit lender focused on helping businesses move forward. That means taking a more personal approach, looking beyond the numbers and making decisions based on your business, your ambitions and your circumstances.

Q: Do I need perfect credit to apply?

No. We understand that every business journey is different. While credit history forms part of the assessment process, we look at the bigger picture and take time to understand your wider circumstances.

Q: How do I find the right loan?

Our Loan Finder can recommend the most suitable funding option for your business in less than 60 seconds. Simply answer a few quick questions and we'll point you in the right direction.

Funding from £500 to £250,000, backed by people who take the time to understand your business ambitions, not just your credit score.

Find the right loan in 30 seconds

Growing businesses Strengthening communities

Finance NW is part of the BEF Group, a not for profit lender supporting businesses since 2004.

As a not-for-profit lender, every loan we deliver helps ambitious businesses grow while supporting jobs, opportunity and long term economic impact.

Why choose Finance NW?

People first

Real people, not automated decisions.

The bigger picture

We look beyond the numbers and your credit score.

Fair finance

Loans designed to help businesses move forward.

Community impact

Every repayment helps us support more businesses.

How funding with Finance NW works

1. Find your funding match

Use our Finance Finder to discover the funding options that could be right for your business.

2. Share your plans

Tell us about your business, your goals and the funding you're looking for.

3. Meet your dedicated the right solution

A dedicated point of contact who will guide you through the process.

4. Move forward with confidence

Access the funding you need and take the next step in your business journey.

Find the right loan in 30 seconds

What funding does your business need?

Starting up

Turn your business idea into reality with funding and support from day one.

Explore Start up Loans

Working capital

Create breathing space and keep your business moving with confidence.

Explore Momentum Loans

Growth and expansion

Invest in people, equipment, marketing or expansion.

Explore Momentum Loans

Refinancing

Replace expensive short-term borrowing with a more sustainable funding solution.

Explore Momentum Loans

Funding built around your business

	Finance NW	Traditional lenders
Decisions	Decisions Human judgement	Decisions Automated scoring
Approach	Approach Understand your plans	Approach Focused on the numbers
Support	Support Personal & outgoing	Support Transactional
Assessment	Assessment Bigger picture	Assessment Led by criteria
Pricing	Pricing Fair & transparent	Pricing Headline rates
Purpose	Purpose Help you start and grow	Purpose Generate returns
Impact	Impact Community focused	Impact Shareholder focused

Our impact across the BEF Group in the last 12 months

£ 25.6m

Invested in ambitious businesses

£ 102.4m

Added to the regional economy

4,626

Jobs created or protected

379

New UK founders backed

Things founders and business owners ask us

We're not a bank or a short term lender. We're a not-for-profit lender focused on helping businesses start, grow and move forward.

Have another question? Talk to our team

Could Finance North West fund my business?

Will I be dealing with a real person?

How is Finance North West different from other lenders?

Do I need perfect credit to apply?

How do I find the right loan?

Better outcomes through partnership

We work alongside brokers, accountants, growth hubs, local authorities and business support organisations across the North West to help more businesses access the funding and guidance they need to succeed.