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Smaller Loans

Loans from £25,000 - £100,000

NPIF II – GC Business Finance & River Capital Smaller Loans
- Small Business Loans
- For new or growing businesses

Whether you are an entrepreneur wishing to start your own business, an early stage or more established business looking to grow you may find it difficult obtaining the finance you need. Smaller Loans can be used to fill the funding gap for growth and development projects.

Why NPIF II – GCBF & River Capital Smaller Loans?

Our funding isn't just about loans; it's about empowering businesses like yours to thrive. Whether you need working capital, funds for expansion projects, leasing commercial premises, or acquiring assets, our financial solutions are designed to meet your specific needs.

What We Offer:

  • Loans from £25,000 - £100,000
  • Flexible terms tailored to your business requirements.
  • Designated account manager
  • Bespoke 1-to-1 support throughout application process.

Who should apply

  • SMEs located in the North West of England that requires finance to achieve their start-up, development, or growth plans.
  • To apply you will need to be able to provide a business plan.




Find out what your loan could look like

I'd like to borrow


And pay over

12 months
60 months

Borrow £ over months

Fixed Rate %

Will cost £ per month

Total amount payable: £

Apply Now

Representative example:

18.40% APR* Representative based on a loan of £48,000.00 repayable over 60 months at an interest rate of 15.0% per annum (fixed) -  by 60 Monthly payments of £1,142.67, total amount payable £71,920.20, which includes the loan arrangement fee of 2% and 1% annual monitoring fees totalling £3,360.00.

*APR means annual percentage rate of interest charged against your loan which is a combination of Fixed Fees, a Fixed Rate Cost of Funds (Fixed) and an interest margin which is fixed for the term of the loan.

This is only an example your actual rate will vary based on your circumstances.

NPIF II – GC Business Finance & River Capital Smaller Loans is delivered in partnership with GC Business Finance and River Capital across the North West.
River Capital

River Capital, part of the MSIF group, supports small and medium sized businesses across the North West to accelerate growth and achieve their full potential and fuel ambition through flexible funding solutions.

Through our people, expertise and proven track record backed by £140m under management, we bring the energy and opportunity to businesses seeking either equity or debt funding to grow and bring prosperity to the North

To learn more about River Capital visit.

NPIF II Smaller Loans NW LP023615 registered in England, is jointly managed by BFS Funding Managers Limited and River Capital Management Limited.  BFS Funding Managers Limited is registered in England, with company number 08714352, authorised and regulated by the Financial Conduct Authority (FCA), FRN 608682. River Capital Management Limited is registered in England, with company number 03099944, authorised and regulated by the Financial Conduct Authority (FCA) FRN 180891.