Get your debt back under control
Escape the burden of short-term debt
Apply nowHelping the North East grow
See how our loans have helped companies across the North take their next step.
"This NPIF loan has empowered us to better serve our community and expand our horizons."
Tomas Oppedal
"Throughout our journey so far, we have turned to BEF first for our funding requirements."
Refinance Loans: Overview
Short-term business loans seem like quick, easy cash at the time. But huge monthly repayments often start cutting into your growth.
Refinance over five years and give your business room to thrive again. Get expert support from local advisers who know how the North East works.
Free up monthly cashflow
- For businesses trading 1+ years
- Repay over 5 years
- 4% setup fee
- Funds typically in 1–2 weeks
- Credit check required
Why refinance with BEF North East?
Deep regional knowledge
We're from here. Get support from local experts who know how the region does business.
We see the real you
People, not machines, decide who we support. BEF backs ambition, tenacity, and vision.
North East impact
Your repayments are reinvested into helping more local businesses, not paying shareholders.
Ethically led lending
We work to create or protect jobs, and empower people to make a positive difference to the region.
Finance from people who understand you and your business.
Apply nowRefinance Loans in four steps
Tell us why you need to refinance your business loans.
Our North East-based team build a solution to suit you.
Receive clear, tailored terms that tackle your business challenges.
We aim to make a decision and fund most businesses in two weeks.
Refinance your debt in under three minutes.
Apply nowFrequently asked questions
Don't see your question here? Our team are just an email away.