Momentum Loans can be used to support business growth, strengthen cash flow, invest in equipment, technology or premises, and refinance existing borrowing.

We'll work with you to understand your plans and help shape the right funding solution for your business.

Yes. Momentum Loans can be used to refinance expensive short term borrowing, helping improve cash flow and create breathing space for future growth.

Momentum Loans are available up to £250,000 for eligible businesses.

Yes. Momentum Loans are designed for businesses that have been trading for at least 6 months and are ready to take their next step.

Yes. You'll work with a dedicated Investment Manager who will guide you through the process and answer any questions along the way.

Possibly. We assess every application individually and take the time to understand your business, not just your credit history.

The documents required will depend on your business and funding requirements. Typically, we'll ask for recent accounts, bank statements, forecasts and Open Banking access where appropriate.

Open Banking lets us view your financial data securely so we can make quicker, fairer decisions. You choose what to share, and we only see what’s needed for your application.

To grant access, please visit https://connect.consents.online/BEFcommercial.

For limited companies, directors will usually be asked to provide a personal guarantee. Sole traders and partnerships borrow in their own name and are personally liable. In some cases additional security may be required. Your Investment Manager will explain what applies to your application.