Fair finance for North West businesses

I have been trading for
I would like to borrow

Start, scale, and secure your business with a flexible loan of up to £250,000.

Or do you need to refinance short-term debt?
Business Finance North West

Backing ambition Funding potential

We know starting or growing a business isn’t just about the numbers. That’s why we look beyond credit scores to back your ideas, your plans, and your potential.

As a not-for-profit lender born in the North West, we offer fair, flexible finance and hands-on support to help ambitious businesses like yours thrive.

Finance built for the North West

Local finance experts are here and ready to help hit your business goals:

  • Secure consistent cashflow
  • Create jobs, expand your team
  • Launch new products or services
  • Invest in equipment, training, or premises
  • Expand into new markets
  • Overcome unexpected challenges
Not sure which loan fits? Talk to us before you apply
Start Up Loan £500 to £25k

For ambitious startup founders


  • Fund your launch or grow
  • Low interest rates
  • 1–5 year repayments
  • 12 months free mentoring
  • Government-backed support
Explore Start Up Loans
Small Business Loan Up to £250k

For growth-focused SME owners


  • Fund your growth
  • Competitive interest rates
  • 1–5 year repayments
  • Dedicated support
  • Fast decisions, funds in weeks
Explore Small Business Loans

Refinancing: Escape the burden of short-term debt

Refinance Loan Up to £250k

Get your business momentum back


  • Free up cashflow, cut monthly costs
  • Consolidate costly loans
  • 5 year repayments
  • Dedicated support
  • Fast decisions, funds in weeks
Explore Rebalance Loans

We know how the North West works

Expert local support from people who understand the region's economy. Finance NW looks past your credit score to see the jobs you're creating and the communities you're serving.

Let's talk funding
Is Finance North West a bank?
How does that benefit me?
How are BEF's decisions different to a bank?
Could BEF fund my business?

We work better together

By partnering with trusted organisations, we reach more businesses and boost our impact where it matters most.

Explore finance for your business