Fuelling the North East economy together

We fund SMEs of all shapes and sizes from pre-starts and start-ups to established firms with years of trading. If a business has a strong case and a plan for the future, we’ll consider it.

No. We work across all sectors, from retail and hospitality to manufacturing and professional services. We’re open to cases that mainstream lenders often dismiss as too niche or complex.

We provide loans from £500 up to £250,000. That includes Start Up Loans of up to £25,000 and Small Business Loans of up to £250,000, with refinance options available within that range.

Yes. Every case is assessed by a BEF Investment Manager, not a faceless algorithm. You’ll always have direct access to the person making the call.

Yes. From your first enquiry through to payout, you’ll work with one dedicated Investment Manager who knows your cases and your clients.

We keep it clear, respectful, and jargon-free. Your clients are treated with the same care you’d want for your own reputation, transparent updates and no surprises.

We’re a not-for-profit lender with a mission to back businesses that others overlook. Unlike banks or fintechs, we prioritise relationships over algorithms, flexibility over rigid rules, and speed without cutting corners.