Adequate Loans for Bright Ideas
Our Loans will Make Your Dreams Come True
Our mission is to make owning a business a viable career for people who struggle to raise finance. We provide affordable loans and mentoring to help people start up and succeed. As part of the British Business Bank, our aim is to drive sustainable growth and prosperity across the UK, and to enable the transition to a net zero economy, by supporting access to finance for smaller businesses. We work with a national network of business support partners who are based across England, Wales, Scotland and Northern Ireland. As well as helping loan applicants prepare their business plans and cash flow forecasts, our business support partners are responsible for assessing final applications and providing ongoing mentoring support to those people whose applications are successful. Regulated by the Financial Conduct Authority (FCA),We work with a lot of loan service companies responsible for managing loan agreements and issuing funds to successful applicants. They also act as the main contact for any matters relating to loan administration and repayments. Business support partners do not get involved at this level once a loan has been granted. We monitor all our business support partners and our finance provider closely, to make sure we’re consistent in how we support applicants and making responsible lending decisions across the entire network.
Our loans are government-backed and available to individuals looking to start or grow a business. In addition to finance, successful applicants receive 12 months of free mentoring and exclusive business offers to help them succeed. The loan is unsecured, so there’s no need to put forward any assets or guarantors to support an application. "If Approved", All owners or partners in a business can individually apply for up to £100,000 each, with a maximum of £500,000 available per business.
Fixed 6-10% interest rate P.A and flexible repayment conditions
Loan procurement steps are fast and easy, if requirements arent met we can provide solutions to help.
Loan request and client data collection.
Client data review and data verification procedures.
As long as all requirements have been met, loan will be approved and documentation will take place, after all agreements have been signed by every party involved then you're set.
Hit the ground running! Approved amount will be sent to the client and loan term begins officially.
We conduct every interaction with honesty, transparency, and accountability, ensuring trust at every step of the loan process.
Our priority is understanding your needs and providing tailored financial solutions that help you achieve your goals with confidence.
We are committed to delivering quick approvals, smooth processing, and dependable support from start to finish.
We strive to give individuals and businesses the financial tools and resources they need to grow, thrive, and reach new heights.
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+44 7584 688974
No. A grant is a non-repayable fund provided by an individual or an organisation for a particular purpose, whereas a Start Up Loan must be repaid in full over an agreed term of one to five years. Our Loans are government funded and therefore would class as State Aid.
There are three main areas that your Business Adviser will consider when they’re reviewing your Start Up Loan application: your credit worthiness, whether or not you can afford to take on the loan and whether your business is viable. Credit worthiness: As part of your application, you will be required to have a credit check that reviews your past and current financial behaviour. While a poor credit history will not prevent you from securing a Start Up Loan in all instances, this part of the application process is part of our commitment to responsible lending and helps us ensure our applicants don’t overburden themselves. Personal affordability: As Start Up Loans are personal loans used for business purposes, you will be liable for repaying your loan even if your business plans change in the future. While Start Up Loans are non-secured (you do not have to put forward any collateral to guarantee the loan) you will need to fully repay the loan and any interest due over the course of your agreed loan term. The Personal Survival Budget that you must submit with your application, which outlines your key sources of personal income and any expenses you incur each month, supports us in making this assessment. Business viability: A key factor in our lending decision is ensuring that your business is going to generate enough money to help you meet your monthly loan repayments. To help us assess this, you therefore need to demonstrate that there is sufficient demand for your product(s) and/or service(s) and that you will be able to reasonably achieve all of the goals set out in your Business Plan and Cash Flow Forecast. Don’t worry if you have never created these documents before! Check out our free templates and guides and remember that your Business Adviser will be able to provide support throughout this part of the process.
6-10% and you can choose a loan term between one and five years depending on your affordability and preference.
I recently worked with Numero Securing funds for my restaurant expansion felt impossible until I found this company. They worked quickly, explained every step, and treated me like a partner, not just a client. Thanks to them, we opened our second location last month — a dream come true!
I was worried about putting my education on hold because of tuition fees. Their education loan gave me the push I needed to enroll in my MBA program. I can focus on my studies now without stressing about money every semester.
I needed capital to launch a new consulting branch in another city. Their business loan process was seamless, and the flexible repayment plan fit perfectly with my cash flow. It felt like they genuinely wanted my business to succeed.
Real estate deals move fast, and so did they. I was impressed by their quick approval process — it gave me the confidence to move forward with a big development project without delay
