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Smaller Loans

Loans from £25,000 - £100,000

NPIF II – GC Business Finance & River Capital Smaller Loans Fund

As a trusted intermediary or introducer, you play a crucial role in connecting clients with the financial solutions they need. By partnering with GC Business Finance, you can expand your offering with the NPIF II Smaller Loans Fund—a flexible financing solution designed to support SMEs and entrepreneurs in the North of England.

Why Partner with Us?

Help your clients secure loans of between £25,000 and £100,000 to fuel growth, innovation, or overcome cash flow challenges. As part of our broker network, you’ll have access to a no-commission, transparent lending model that puts your clients first. By offering true value to your clients, you’ll stand out as a trusted advisor, helping them secure the finance they need, without hidden fees or commission-driven advice.

What’s In It For You?

Stand Out with Transparent Lending
Providing no-commission loans demonstrates your commitment to impartiality and fairness, helping you build trust and strengthen your reputation with clients who value transparency.

Build Lasting Client Relationships
Our approach prioritises client satisfaction and long-term success, encouraging repeat business and loyalty. Your clients will feel confident knowing they’re receiving tailored solutions that truly meet their needs.

Seamless Referral Process
We’ve designed a straightforward referral system to minimise admin and save you time. This allows you to focus on helping your clients grow their businesses while we handle the rest.

Empowering Northern SMEs
The NPIF II Smaller Loans Fund supports small businesses that drive the regional economy in the North of England. By partnering with us, you’re helping local entrepreneurs access the funding they need to thrive.

A Trusted and Regulated Partner
As an FCA-authorised lender, we provide a safe, compliant environment for your clients, ensuring they’re in reliable hands throughout their funding journey.

*All referrals operate on a no-commission basis.

How Does Our Smaller Loans Fund Benefit Your Clients?

Our loans cater to businesses at various stages of growth, from start-ups to established SMEs. Whether your clients need funding to expand operations, purchase new equipment, or manage cash flow, our smaller loans can help them reach their goals.

Who Is Eligible?

Our NPIF II Smaller Loans Fund is available for SMEs across the North of England. We are particularly focused on supporting businesses that may struggle to access traditional finance, whether they’re starting up or looking to expand.

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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

The NPIF II Smaller Loans Fund is delivered in partnership with GC Business Finance and River Capital to support businesses across the North West.

About River Capital
River Capital, part of the MSIF group, is dedicated to helping small and medium-sized businesses across the North West unlock their growth potential. By offering flexible funding solutions, River Capital empowers businesses to achieve their ambitions and drive progress.

With over £140 million under management, a team of experts, and a strong track record, River Capital provides the resources and opportunities businesses need to access equity or debt funding to fuel their success and contribute to the region's prosperity.

For more information 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.