About Us

In a nutshell

We understand that accessing business finance can sometimes be a problem for small and medium sized enterprises (SMEs) in the West Midlands and Wales.

In 2002, BCRS Business Loans was established as a non-profit distributing co-operative lender to support the growth of SMEs with a dedicated business loan fund.

We provide loans from £10,000 to £150,000*.

Why we are here

Our loan funds have been especially designed to meet the needs of West Midlands and Wales 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.

We 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.

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

Our mantra

Small businesses are at the heart of what we do.

We believe in what they do.

We genuinely love helping small businesses achieve their goals. Seeing them grow. Supporting the people who work there and the communities they serve.

With no shareholders to support and with people who really understand the business of business, we can support organisations in ways few other funders can. With funding. With advice and support. With real belief. And we do this when others can’t. Or won’t. In a way they don’t.

It is banking like it used to be. Personable. Accessible. Reliable. Hands on, not hands off. There is nothing fancy about the way we like to do business.

We are honest and genuine, straightforward and personable. And we share a common passion – to liberate businesses, their owners and their people to grow and develop and to achieve their goals.

For us, no viable business should go unsupported.


Get started in just two minutes…

Do you have any other questions? Visit our FAQs section here or speak to a real person on our live chat


*Credit is subject to status. Credit checks, affordability assessments, terms and conditions apply.