Flexible loans for North West businesses
Funding from £500 to £250,000, backed by people who take the time to understand your business ambitions, not just your credit score.
Growing businesses Strengthening communities
Finance NW is part of the BEF Group, a not for profit lender supporting businesses since 2004.
Together, we help ambitious startups and established businesses access the finance they need to grow while creating jobs, opportunity and long term impact in the communities they serve.
Why choose Finance NW?
People first
Real people, not automated decisions.
Bigger picture
We look beyond the numbers and your credit score.
Fair funding
Designed to help businesses move forward.
Community impact
Every repayment supports more businesses.
How funding with Finance NW works
Use our Loan Finder or speak to our team.
Your dedicated point of contact throughout the process.
We'll help shape the funding solution that best fits your business and goals.
Funding and ongoing support when you need it.
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
Government-backed loan
- For pre-starts and start-ups
- Fund your start or growth
- 7.5% fixed interest
- 1–5 year repayments
- 12 months free mentoring
- Government-backed support
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
| 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
Invested in ambitious businesses
Added to the regional economy
Jobs created or protected
New UK founders backed
Things founders and business owners ask us
We are not a bank. We are not a short term lender. We are a not-for-profit lender built to support businesses like yours.
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.