Fuelling the North West economy together

For founders launching a business or trading for up to five years.

• Up to £25,000 per founder
• Up to £100,000 per business
• Government-backed funding

Explore Start Up Loans

For established businesses ready to take their next step.

• £25,000 to £250,000
• Growth funding
• Working capital
• Refinance

Explore Momentum Loans

We regularly support growth projects, working capital requirements, equipment purchases, stock purchases, expansion plans and the refinance of expensive short term debt.

Funding is available from £500 to £250,000 across our lending products:

• Start Up Loans: £500 to £25,000 per founder
• Momentum Loans: £25,000 to £250,000

Yes. Momentum Loans can be used to refinance expensive short term borrowing, helping clients improve cash flow, simplify repayments and create a stronger platform for future growth.

We move quickly and aim to complete most deals within two weeks. You'll have direct access to our lending team throughout the process, with clear communication and regular updates from enquiry to completion.

We support startups, growing businesses and established SMEs through Start Up Loans, Momentum Loans and NPIF II Smaller Loans. Funding is available from £500 to £250,000 depending on the product and funding requirement.

Yes. Every broker relationship is supported by a dedicated Loan Manager who can discuss cases, answer questions and provide updates throughout the process.

Yes. Every case is managed by an experienced Loan Manager who is responsible for assessing the application. You'll have direct access to the person making the decision throughout the process.

A brief overview of the business, the funding requirement and the purpose of the funding is usually enough for an initial conversation. Our team can then advise on next steps and any additional information required.

We combine human decision-making, dedicated support and a relationship-led approach. As a not-for-profit lender, we're focused on helping businesses move forward rather than maximising shareholder returns.

We work closely with both brokers and clients throughout the application process. We aim to keep communication clear, responsive and transparent from initial enquiry through to completion.