• A clear purpose for the funding
• An idea of how much they need to borrow
• Recent business financial information
• A plan for the next stage of their business
• A willingness to work with an Investment Manager to build the right solution

Many successful applicants come to us with a clear goal rather than a finished plan.

Whether you're investing in growth, strengthening cash flow or refinancing expensive short term debt, we'll work with you to understand your business and build the right loan solution around your needs.

We'll help you:

• Understand the funding options available
• Refine your plans and funding requirement
• Work through the application process
• Build a funding solution that supports your goals

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

From hiring staff to buying stock, investing in equipment, refurbishing premises, boosting marketing or expanding into new markets, your loan is designed to fuel growth.

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

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

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

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.

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.

Yes. From your initial enquiry through to funding and beyond, you'll work with an experienced Loan Manager who understands your business and funding requirements. We're committed to building long term relationships, giving you a direct point of contact whenever you need support or guidance.