Backing your growth, supporting your recovery. Funding from £25,000 to £250,000 now available for small businesses across Cardiff and South Wales.
* Dependent on receiving the completed application form with all supporting documentation.
Supporting Cardiff’s Business Community
At BCRS Business Loans, we’re proud to support the ambitious small and medium-sized businesses that drive Cardiff’s economy. Whether you’re a creative entrepreneur in the Bay, a family-run shop in Roath, or a manufacturer on the city’s outskirts, we’re here to provide funding that helps you grow sustainably. As a not-for-profit lender, we believe in supporting small businesses that make a real difference to their communities.
Our Application Process
- Apply online in minutes
- Speak to a real person who understands your business
- Get a decision with funds released quickly
“We assess applications based on your business potential – not just your credit score.”
Why Choose BCRS?
Local Businesses We’ve Helped
A Turkish restaurant brand, led by three women, has expanded with the opening of a 100-cover venue in Cardiff city centre, all made possible with a £120,000 loan from BCRS.
The direct impact of this was:
- Boosting growth and jobs. The funding supported investment in staff, creating 16 jobs.
- A personal, hands-on experience. BCRS Business Development Manager, Niki, arranged a face-to-face meeting to completely understand the business needs.
- “Really easy” – the founder praised the process:
- “Niki was fantastic, quickly understanding our business, and the challenges we faced, and without her support, and the finance, Longa wouldn’t be here.”
FAQs For Cardiff Businesses
We lend to established small and medium-sized businesses across Cardiff with annual turnover under £45 million — including sole traders, partnerships, and limited companies in most sectors across Wales and the West Midlands.
No — we do not fund early-stage startups. To qualify, you must have existing revenue and be past the startup phase (post‑revenue), showing at least 6 months initial trading history.
After your initial application is submitted, most clients receive a response within 2 working days. If successful, funds are typically released within in 48 hours after having received all of the supporting information.
In all cases Debentures and Personal Guarantees are taken. Further security may be requested. Every case is assessed upon its own merits.
Apply for a Business Loan today
At BCRS, we offer personalised small business loans designed to meet the unique needs of each client. Our business development team collaborates with you to identify the ideal financing solution for your company. Reach out to one of our specialists today to explore the best loan options for your business.
