Our Lenders

Understand more about each Lender to decide which one is right for you.

Personal Lenders

Moneyline offer small loans to help you spread the cost of things such as a washing machine, holidays, home improvements. They are a direct lender and not a payday lender. You can borrow from £200 to £1,000 and make weekly payments from between 13 to 32 weeks, based on what’s affordable for you.

Moneyline look at the information on your application, your bank statements and your credit information to check if you can afford the loan now and for the length of the loan. There are no hidden costs or fees. The application can take up to 2 working days and if your loan is approved the money can be in your bank account the same day.

Conduit offers fair and affordable personal loans ranging from £300 to £1,500 as a not for profit alternative to high cost credit and specifically for households who cannot access mainstream credit or banking.

Conduit is owned by Five Lamps, a long established charity specialising in social and financial inclusion activities.

More than 80,000 money-savvy families have trusted Fair for You to help them spread the cost of their unexpected expenses. Whether you need a quality kitchen appliance from Whirlpool, groceries from Iceland or a new bed, laptop or sofa, Fair for You offers fast, flexible and affordable loans.

Make your application online – using your mobile, computer or tablet – and receive a decision the same day.

Rated “Excellent” on Trustpilot, with flexible payment plans and no hidden fees, Fair for You is a not for profit lender that puts you first.

Salad Money is a Social Sector Organisation (SSO) delivering affordable lending for workers across the UK, offering an alternative to high cost credit.

Salad is the world’s first Open Banking powered lender that only uses Open Banking data for credit decisioning without reference to credit scores.

Salad also offers state of the art online financial insights to help people achieve financial stability and peace of mind through their free benefits checking system.

Salad have created a mid-tier credit market using a different affordability decisioning process, enabling access to credit for millions.

Creditspring has created a new way to borrow, designed specifically for unexpected expenses. They offer three simple membership plans which will grant you access to two no-interest loans in exchange for a monthly membership fee.

Creditspring’s monthly membership fee starts at just £7 and includes a total loan amount of up to £1000, which is available in the form of two advances per year.

The advances have no interest and the only charge is your monthly membership fee so you always know how much you owe.

Fair Finance is a leading provider of personal loans and debt advice in London. Through its offices located across London, and online, Fair Finance provides personal loans of up to £3,000 and debt advice to over‐indebted individuals. Their vision is to revolutionise financial services to make it more inclusive and fair for everyone. They believe that:

Customers deserve a fair deal
Products and services should be simple and accessible
Financial advice should be honest and trustworthy
Credit should be affordable for all
Profits should be reinvested for the benefit of customers

Adage Credit has successfully supported thousands of clients to meet their financial needs with reliable and accessible credit.

If you need instant access to cash and are confident that you have the means to repay your loan, you could benefit from their incredible rates. Access manageable credit from a trusted lender today.

Personal Loans: Ranging from £100 to £1000 with repayment for up to 12 months, up to £300 for the first-time borrowers.

Lancashire Community Finance can help whether you need some extra cash to re-decorate your house, kit your kids out for the new school year or even help you to cover the cost of Christmas.

Their Personal Loans are available for almost any purpose. Loans are available from £400 up to £650 over periods of between 6 months and 2 years and can be repaid weekly or monthly by direct debit from your bank account.

If you already have a loan with a doorstep or high interest lender they may be able to lend you money to pay it off – you’ll be surprised at how much this could save you.

Lendology provide a wide range of homeowner loans which take your personal circumstances – not your credit score – into account.

Whether you wish to invest in energy efficiency or renewable technology, adapt your home so it’s suitable for your needs in later life, or fund general home repairs or improvements, their affordable and flexible home loan scheme is there for you.

Since 2005, Lendology have been lending on behalf of their council partners and are one of a few Social Enterprise Lenders that operates in this way.

Business Lenders

Finance For Enterprise provides business loans of between £500 and £250,000 across Yorkshire and The Humber, Lincolnshire, Derbyshire, Nottinghamshire, other parts of the North and Midlands. Established for over 35 years, it provides loan funding and advice to new start, early stage and established businesses.

Finance For Enterprise provides an alternative source of loan finance for businesses unable to access mainstream funds and can also act as a gap funder as part of a wider finance package. Loans can be used for working capital to provide improved liquidity or to support growth and development projects. It is a registered lender under the Recovery Loan Scheme.

Sirius can offer business loans to local people looking to either start up a business in the Hull or East Riding Of Yorkshire area or to expand an existing business.

Whether you are just considering an idea, or you have fully researched your new business and are ready to launch, the Business Advisors at Sirius are there to help. Whether it’s a ‘butcher, a baker or a candlestick maker’, the Sirius staff know how important the ‘big step’ into self-employment is to you, and really would like to help you to become successful.

Sirius also provides free Business advice and on-going Business Support. Loans from £100 to £50,000 are available.

The Business Enterprise Fund provides loans ranging from £500 to £250,000 to start-up and existing businesses.

Their loans provide are designed to meet the needs of your business. Secure the flexible finance you need to help your business begin, expand and flourish.

The Business Enterprise Fund operates across West and North Yorkshire as well as the North East, with offices in Leeds, Bradford and York. They will consider all loan applicants, including those with poor credit, and can lend for pretty much any purpose, whether a brand new business or established businesses that need to finance specific orders.

Assadaqaat Community Finance (ACF) is an innovative not-for-profit provider of financial support and advice to entrepreneurs in the UK.

Their vision is to support people from black and minority ethnic backgrounds to access the guidance, training and finance they need to realise their entrepreneurial dreams.

They focus firmly on women and young people and have designed their programmes to fill the gap other business support packages are unable to offer.

At its heart is the passionate belief in people and the goal of empowerment and maintaining independence. Wherever possible ACF provides interest free loans to its beneficiaries to help them start businesses.

Newable is a leading provider of unsecured business loans and offers growth loans of up to £150k. All of its loans come with professional mentoring, designed to help its customers get the most out of their loans.

Their advisory team will work with you to find the best finance for your needs, providing free and independent advice on your business or your property portfolio.

They pride themselves in their short completion times and outstanding communication, rated 4.9/5 on Trustpilot, you can be confident that we will get you the funding you need to grow. Their 150+ specialist and handpicked lender panel specialise in complex, out-of-normal criteria lending and time critical cases.

Enterprise Answers believe it is important to fill the funding gap for those businesses and entrepreneurs who are unable to draw on the main sources of finance for one reason or another.

They are Cumbria’s only Community Development Finance Institution (CDFI) and the only rural CDFI in England with an appetite to assist the country’s agricultural sector.

It is a sustainable, independent organisation providing financial services across the region with the aim of creating social improvement and business development returns.

Enterprise Answers provides loans of between £10,000 and £100,000 for start-up, early stage and established businesses.

ART Business Loans provides business and social enterprise loans in the West Midlands. Loans from £10,000 to £150,000 are available for existing and start up businesses in all sectors where banks have been unable fully to meet their needs.

Loans can be used for any business purpose, including asset purchase or working capital.

ART are an independent, mutual organisation owned by their members, both borrowers and investors.

Their investors are philanthropic companies and individuals whose core funding enables us to attract public and private sector support.

ART is a pioneering finance provider, supporting job creation and preservation.

BCRS provides business loans from £10,000 to £200,000 across the West Midlands.

Loan funds have been especially designed to meet the needs of West Midlands based businesses that are unable to access finance from traditional sources, such as banks.

Lack of track record, unreasonable security arrangements, past financial problems or simply not meeting conventional credit scoring methods may be hindering the process.

They don’t use impersonal computerised credit scoring and you will be assigned a dedicated Business Development & Lending Manager who will meet you face-to-face and be on hand to help you through the loan application process.

BCRS offer loans to businesses making a positive contribution to the social and economic well-being of the West Midlands.

Let’s Do Business Finance provide loans to new and established businesses that cannot find the funding they need from High street and FinTech sources. Loans of up to £150,000 are available to micro and small enterprises across the South East and East of England.

Let’s Do Business Group are now we are a leading provider of business support, finance, and training across the South East and East of England.

They are an award-winning social enterprise and proud to deliver high-quality, independent advice to businesses either looking to start or established businesses looking to take their next step and grow.

They work closely with Local Authorities, Government, and Partner organisations to deliver contracts that support the business community, stimulating the local economy and creating jobs.

CEIS (Trading as DSL Business Finance) Provides business advice and loan finance or small businesses and social enterprises in Scotland. Loans of between £1,000 and £50,000 are available. It is happy to consider start-ups as well as existing companies. DSL will lend for most business purposes and to most sectors.

DSL Business Finance Ltd are experts in supporting new and growing businesses in Scotland. Their team have a diverse range of skills across business, finance and operations.

Our team are experienced in working at every stage of the business lifecycle from business start-up, through the growth phase and also when the time comes to sell.

With their excellent network across the Scottish business community they are ideally placed to support your business.

The Coventry and Warwickshire Reinvestment Trust (CWRT) is a not-for-profit, FCA accredited, specialist finance provider committed to supporting businesses and individuals primarily based in Coventry and Warwickshire.

We lend to individuals, to those who are looking to start a business, and to existing businesses that have been unable to raise enough, if any, low-cost finance from elsewhere.

We also provide specialised business support services in Warwickshire which are specifically tailored to meet the needs of client groups that are not always well served by mainstream providers. Our services are therefore designed to fill gaps in the market and to generate a beneficial impact upon the local community.

Our mission is to finance businesses and help people.

Enterprise Northern Ireland provides Start Up Loans of up to £10,000 across Northern Ireland. It offers loans to individuals starting a business or those trading for less than 12 months. Through the NI Small Business Loan Fund, ENI provides loans for start ups. (£1,000 to £15,000) and existing enterprises (up to £50,000).

ENI lobbies on behalf of self-employed, micro, and small businesses. We ensure the Northern Ireland Executive, Economy Committee, MLAs, Local Councils, Development Agencies, and other stakeholders are fully briefed in relation to enterprise and entrepreneurship in Northern Ireland.

Enterprise Northern Ireland is a self-funding ‘Not-for-Profit’ organisation, with a socio-economic purpose, operating primarily through a social enterprise business model.

Enterprise Loans East Midlands proudly provides business loans from £500 to £250,000 to SMEs across the East and South East Midlands that are unable to borrow from high street lenders. Established in 1989, they have a wealth of experience in raising finance to support you and your business.

As a responsible finance provider in the East Midlands, South East Midlands and West Midlands, their services are tailored to meet your needs.

By providing an alternative and responsible finance service that is backed by the government, they help to transform lives and create a positive economic, social and environmental impact in the areas they serve.

The Growth Company provides business loans across the North West of England ranging from £500 through to £500,000 to help start-up or growing businesses who have been refused loans from mainstream sources such as high street banks.

They are an award-winning, accredited, social enterprise with a mission to enable growth, create jobs and improve lives. Their vision is for a society where economic growth and prosperity is inclusive, sustainable and leaves no person or community behind.

Each service they deliver contributes to the achievement of our purpose and the delivery of our vision. In collaboration with their customers and stakeholders they deliver significant social and economic change whilst minimising the impact their business has on the planet.

Lancashire Community Finance is a not-for-profit community organisation and registered charity.

They provide personal, business, start up and home improvement loans to individuals and businesses who struggle to get finance from high street banks.

Lancashire Community Finance operates throughout the historic county of Lancashire and also provides financial education and budgeting advice.

With an affordable Business Loan from Lancashire Community Finance you can borrow from £400 to £25,000. Loans are available over periods between 6 months and 5 years, and are repaid weekly or monthly by direct debit from your bank account.

River Capital provides finance of between £3,000 and £2m+ to businesses across Merseyside and the surrounding Region. It has invested over £151m into 1,690 businesses since its establishment in 1996 and provides finance for a range of propositions including start-ups and development capital.

Through its partners, River Capital has created and supports a wide range of programmes to assist small and medium sized businesses across the North West, predominately in the Liverpool City Region, and to develop a business ecosystem in which SME’s can flourish.

This includes supporting schemes which deliver business planning and funding advice and access to business angel networks, as well as providing a wide range of funding solutions, delivered by it fund manager partners.

NEL Fund Managers is an employee-owned fund management company, committed to strengthening our local economy by providing tailored funding solutions to small and medium-sized businesses right across the North East of England.

They have an extremely strong and dedicated team who have helped hundreds of North East businesses achieve sustainable success over the years, and we’re actively looking to support yet more companies with strong management teams and robust plans for the future.

Since NEL was founded in 1989 they’ve managed, and fully invested, 13 funds with a combined value of over £95m. These funds have been used to strengthen the local economy by funding over 750 business plans, creating and/or safeguarding thousands of jobs, and attracting millions of pounds of further private investment in every part of the region.

Purple Shoots is based in South Wales but operates throughout England and Wales offering very small loans to individuals who cannot get funding from anywhere else to help them set up or run a small business. Their clients are typically from the more disadvantaged communities of South Wales – 96% of their borrowers are on benefits.

Their aim is to uncover, empower and enable Britain’s hidden entrepreneurs, to change things for people who are disadvantaged by circumstances, health or disability and are left behind by the economy. They believe everyone has potential and should have an opportunity to fulfil it.

Purple Shoots are committed to improving people’s lives in a sustainable way. They are proud to contribute to the UN sustainable development goals and focus on fulfilling nine of the sixteen goals through their work.

Robert Owen Community Banking provides finance of up to £50,000 for businesses and social enterprises based in Wales and along the Welsh borders; finance of up to £500,000 is also available for community renewable energy projects in Wales through their Community Energy Fund. The company also provides loan fund management services.

They are based in Newtown, Powys, the birthplace of 19th Century social reformer Robert Owen, who fathered the Cooperative Movement. Like their namesake, they believe that by supporting basic principles of fairness, accountability and cooperation, they can help build a more mutually prosperous society.

Banking services are an essential part of sustaining a vibrant local economy.

SWIG Finance offers Start Up Loans range from £500 – £25,000 and small business loans from £25,001 – £250,000. It operates across the South West and Hampshire. SWIG helps businesses that help the local economy, where it will complement rather than compete with the banks. Its emphasis is on potential rather than collateral or track record.

They aim to make finance accessible by providing small business loans to viable SMEs and start ups in the South West region, which have the potential to grow and benefit the economy.

Their funds are designed for those who are unable to secure all their requirements from traditional sources – whether due to a lack of track record, security requirements which can’t be met, historic financial issues or simply not meeting conventional credit scoring methods.

We understand that bank lending isn’t the right fit for every business, and at SWIG Finance we can often lend when the bank can’t.

Trust Leeds is a charity which works – and walks – alongside people helping them to change their lives by building financial independence, confidence and self-reliance.

They do this in two ways:

1. Micro-Finance They invest small, ethical loans for business purposes.

2. Self-Reliant Groups (or SRGs) They nurture local groups where people support each other, save together, build confidence and skills and grow enterprising ideas.

Their funding is donated so they can work exclusively with enterprising people who are under-served, caught in a poverty trap, and/or facing challenges and disadvantages.

Their philosophy is to grow business and communities through lending, sharing and saving.

The FSE Group is an early-stage lender and investor for high-growth SMEs based in the UK’s underrepresented regions.

Managing over £300million and with a mandate to create a positive economic impact in the regions where we operate, The FSE Group has been providing high-growth SMEs with accessible, market gap funding since 2002.

As a purpose-led organisation helping to scale up enterprises, we manage both debt and equity funds on behalf of a number of funding providers whilst also co-investing from our own reserves across several funds.