{"id":10097,"date":"2026-02-06T11:31:44","date_gmt":"2026-02-06T11:31:44","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=10097"},"modified":"2026-02-13T11:32:47","modified_gmt":"2026-02-13T11:32:47","slug":"how-to-apply-for-a-loan-as-a-small-business-in-england-and-wales","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/how-to-apply-for-a-loan-as-a-small-business-in-england-and-wales\/","title":{"rendered":"Sut i Wneud Cais am Fenthyciad fel Busnes Bach yng Nghymru a Lloegr"},"content":{"rendered":"<section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\">Mae gwneud cais am fenthyciad busnes bach yn dechrau gyda thri cham allweddol: deall pam mae angen yr arian arnoch a sut mae&#039;n cefnogi eich nodau, trefnu eich gwybodaeth ariannol, a dod o hyd i&#039;r benthyciwr mwyaf addas ar gyfer eich busnes.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Os ydych chi&#039;n rhedeg busnes sefydledig ac yn ystyried cymryd benthyciad, mae&#039;r canllaw hwn yn eich tywys trwy&#039;r broses gam wrth gam, ynghyd ag enghreifftiau o fusnesau sydd wedi llwyddo i sicrhau cyllid.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column us_custom_fe226220\"><div class=\"wpb_wrapper\"><h4><span data-contrast=\"none\">Pwyntiau Allweddol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h4>\n<ul>\n<li><span data-contrast=\"none\">Gall benthyciadau busnesau bach ariannu offer, gwella safleoedd, a chefnogi llif arian neu ad-dalu dyledion.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Mae bod yn onest ac yn barod yn gwneud y broses ymgeisio yn gyflymach ac yn llyfnach.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Gall benthycwyr rhanbarthol fod yn fwy hygyrch a buddsoddi mewn cymunedau lleol a chefnogi eich nodau busnes hirdymor.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun MacChromeBold SCXW42490004 BCX0\"><span class=\"NormalTextRun SCXW42490004 BCX0\">Y broses 3 cham ar sut i wneud cais am fenthyciad busnes bach<\/span><\/span><span class=\"EOP SCXW42490004 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Dyma&#039;r 3 cham ar sut i wneud cais am fenthyciad ar gyfer eich busnes bach a chanolig sydd wedi&#039;i leoli yn y DU,\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/are-you-eligible-for-a-business-loan-with-bad-credit\/\"><span data-contrast=\"none\">hyd yn oed os oes gennych gredyd gwael<\/span><\/a><span data-contrast=\"none\">.\u202f<\/span><span><br \/>\n<\/span><\/p>\n<h3><b><span data-contrast=\"none\">1. Diffiniwch bwrpas a nod eich benthyciad<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Cyn i chi wneud cais, byddwch yn glir yngl\u0177n \u00e2 beth yw pwrpas yr arian a beth rydych chi eisiau iddo ei gyflawni. Byddwch mor benodol ag y gallwch, a pheidiwch ag ofni anelu&#039;n uchel. Dylech ofyn y cwestiynau canlynol i chi&#039;ch hun:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"none\">Beth yn union yw pwrpas y benthyciad, a sut mae&#039;n cefnogi eich nodau busnes?<\/span><\/b><span data-contrast=\"none\">\u00a0Er enghraifft, ydych chi&#039;n lansio cynnyrch newydd, yn recriwtio staff newydd neu&#039;n prynu mwy o offer? Efallai mai dim ond angen i chi dalu treuliau mewn cyfnod tawel?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Pa ganlyniad ydych chi&#039;n ei ddisgwyl?<\/span><\/b><span data-contrast=\"none\">\u00a0Gallai hyn gynnwys ehangu&#039;r busnes a chanolbwyntio ar dwf, ychwanegu gwasanaethau newydd, cryfhau sefydlogrwydd ariannol, neu hyd yn oed ychwanegu p\u00e2r ychwanegol o ddwylo at y t\u00eem.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Pa mor gyflym ydych chi angen y cyllid?<\/span><\/b><span data-contrast=\"none\">\u00a0Mae cyflymder y byddwch yn derbyn eich arian yn dibynnu ar eich cymhwysedd a pha mor barod yw eich dogfennau, felly cofiwch hyn wrth wneud cais.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Pa delerau ad-dalu sy&#039;n addas ar gyfer eich busnes?<\/span><\/b><span data-contrast=\"none\">\u00a0Ystyriwch symiau ac amserlenni ad-dalu yn ofalus er mwyn osgoi straen ar lif arian neu gostau llog diangen.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Mae&#039;r rhan fwyaf o fenthycwyr yn gofyn y cwestiynau hyn i chi a bydd cael atebion clir yn ganllaw ar gyfer y cyfeiriad a&#039;r twf rydych chi eisiau i&#039;ch busnes fynd iddo yn y dyfodol.<\/span><span><br \/>\n<\/span><\/p>\n<h3><b><span data-contrast=\"none\">2. Paratoi eich dogfennau ariannol a chyfreithiol<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Bydd cael yr holl wybodaeth a mewnwelediadau perthnasol i berfformiad a chynlluniau eich busnes yn gwella eich siawns o gael cymeradwyaeth benthyciad. Gall &#039;Allan o&#039;r golwg, allan o&#039;r meddwl&#039; fod yn niweidiol o ran cyllid.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Byddwch yn onest ac yn dryloyw. Mae cuddio eich rhifau yn achosi oedi neu wrthod, gan nad yw&#039;n adlewyrchu eich sefyllfa wirioneddol. Bydd unrhyw fenthyciwr da yn eich helpu i ddeall eich opsiynau.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Bydd eich benthyciwr eisiau edrych ar:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Manylion eich busnes a&#039;ch cenhadaeth<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Eich cynllun busnes a marchnad diweddaraf<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Sut mae eich llif arian parod yn perfformio a datganiadau ariannol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Os oes gennych unrhyw gyllid neu fenthyciadau presennol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Eich hanes credyd ac os oes gennych unrhyw CCJs, diffygion neu \u00f4l-ddyledion<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Os oes gennych unrhyw sicrwydd<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Peidiwch \u00e2 phoeni gormod os yw eich sg\u00f4r credyd yn wael. Mae benthycwyr eraill yn fwy hyblyg gyda chymhwysedd benthyciad.\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/are-you-eligible-for-a-business-loan-with-bad-credit\/\"><span data-contrast=\"none\">hyd yn oed gyda chredyd gwael.<\/span><\/a><span data-contrast=\"none\">\u00a0Mae benthycwyr eisiau cael cipolwg ar eich perfformiad ariannol yn unig er mwyn iddyn nhw allu asesu a yw swm y benthyciad yn realistig ar gyfer eich ad-daliadau ac a fydd eich busnes yn parhau i fod yn sefydlog wedi hynny.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">3. Ymchwiliwch i&#039;r lle gorau i wneud cais am gyllid busnes bach<\/span><\/b><\/h3>\n<p><span data-contrast=\"none\">Mae yna lawer o fathau o fenthyciadau a benthycwyr busnes yn y DU i archwilio eich opsiynau cyllido, ond ni fydd pob ateb yn addas i chi. Nid oes un benthyciad sy&#039;n addas i bawb. Mae eich busnes yn unigryw ac yn haeddu ystyriaeth deilwra.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Mae mathau o fenthycwyr yn cynnwys:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Banciau traddodiadol fel y rhai a welwch ar y stryd fawr, fel Barclays, Lloyds, HSBC, a NatWest.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Cynlluniau\u2019r llywodraeth sy\u2019n canolbwyntio ar dwf a buddsoddiad, fel y Cynllun Gwarant Twf (GGS), y Cynllun Atgyfeirio Banciau, a Benthyciadau Cychwyn Busnes.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Benthycwyr ar-lein a banciau heriol sydd \u00e2 phresenoldeb digidol yn unig ac sy&#039;n newydd i&#039;r farchnad ariannol.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Mae benthycwyr sy&#039;n canolbwyntio ar y gymuned, fel Sefydliadau Ariannol Datblygu Cymunedol (CDFIs), yn edrych yn fwy personol a chefnogol ar eich cais am fenthyciad yn hytrach nag algorithm.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Y benthyciadau hawsaf\u00a0<\/span><span data-contrast=\"auto\">i sicrhau<\/span><span data-contrast=\"none\">\u00a0bydd yn dibynnu ar eich cymhwysedd a&#039;ch anghenion ariannol. Efallai y bydd rhai busnesau bach yn gweld bod benthycwyr annraddodiadol yn fwy hygyrch gydag arweiniad wyneb yn wyneb.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Sut mae&#039;r broses ymgeisio am fenthyciad yn gweithio gyda Benthyciadau Busnes BCRS?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Mae gan Fenthyciadau Busnes BCRS broses syml 3 cham ar gyfer cais cyflym.<\/span><span><br \/>\n<\/span><\/p>\n<ol>\n<li><span data-contrast=\"none\">Cwblhewch ffurflen ar-lein mewn llai na dwy funud gyda manylion sylfaenol, swm y benthyciad, a phwrpas y benthyciad.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Bydd Rheolwr Datblygu Busnes yn cysylltu \u00e2 chi o fewn dau ddiwrnod gwaith i arwain eich cais llawn.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Fel arfer, mae penderfyniadau&#039;n cymryd pythefnos i dair wythnos yn dibynnu ar gymhlethdod y cais, y diogelwch sydd ei angen, a&#039;r manylion a gyflwynwyd.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ol>\n<p><span data-contrast=\"none\">Darllenwch y\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/top-10-tips\/\"><span data-contrast=\"none\">10 awgrym gorau<\/span><\/a><span data-contrast=\"none\">\u00a0am gais benthyciad cyflym gan arbenigwr yn y diwydiant a Phennaeth Credyd yn BCRS, Tony Wood.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Pa fathau o fusnesau sy&#039;n cael eu derbyn ar gyfer benthyciadau busnesau bach?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Mae busnesau ar draws ystod eang o sectorau yn sicrhau cyllid bob blwyddyn.\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/eligibility-criteria\/\"><span data-contrast=\"none\">cymhwysedd<\/span><\/a><span data-contrast=\"none\">\u00a0mae meini prawf wedi&#039;u bodloni, mae enghreifftiau diweddar gan BCRS yn cynnwys:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">A f<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/cold-rolled-steel-specialist-secures-50000-from-the-midlands-engine-investment-fund-ii-to-drive-growth\/\"><span data-contrast=\"none\">cwmni abricio<\/span><\/a><span data-contrast=\"none\">\u00a0cefnogi&#039;r diwydiant ceblau<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Busnesau lleol\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/bcrs-business-loans-supports-mold-business-with-25000-funding-to-drive-development-and-growth\/\"><span data-contrast=\"none\">ehangu i farchnadoedd rhyngwladol<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/electricians-help-apprentice-build-career-after-receiving-bcrs-business-loans-funds\/\"><span data-contrast=\"none\">Cwmn\u00efau gwasanaethau trydanol<\/span><\/a><span data-contrast=\"none\">\u00a0cydnabod gwerth mewn prentisiaethau<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/birmingham-production-company-secures-funding-to-expand-into-licensing-merchandising-and-announces-bagpuss-is-back\/\"><span data-contrast=\"none\">Grwpiau adloniant<\/span><\/a><span data-contrast=\"none\">\u00a0ehangu i drwyddedu<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/personalised-clothing-specialist-secures-25000-from-bcrs-business-loans\/\"><span data-contrast=\"none\">Arbenigwyr dillad wedi&#039;u personoli<\/span><\/a><span data-contrast=\"none\">\u00a0symud i safle newydd<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Rhwng 2024 a 2025, cefnogodd BCRS 124 o fusnesau sefydledig ac ychwanegodd dros \u00a351 miliwn o werth at economi Gorllewin Canolbarth Lloegr. Darllenwch y diweddaraf\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/impact\/\"><span data-contrast=\"none\">Adroddiad Effaith Gymdeithasol<\/span><\/a><span data-contrast=\"none\">\u00a0a darganfod y twf cymunedol a&#039;r swyddi a ddiogelwyd a gr\u00ebwyd.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Chwilio am &#039;\u2018<\/span><\/b><a href=\"https:\/\/uk.trustpilot.com\/review\/bcrs.org.uk\"><b><span data-contrast=\"none\">rhagorol<\/span><\/b><\/a><b><span data-contrast=\"none\">\u2019&#039;partner i gefnogi dyfodol eich busnes?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Rydym yn credu yng ngweithredoedd ac effaith busnesau bach, wedi&#039;r cyfan, nhw yw asgwrn cefn ein heconomi. Os ydych chi&#039;n chwilio am fuddsoddiad o hyd at \u00a3250,000* ac rydych chi wedi&#039;ch lleoli ledled Gorllewin Canolbarth Lloegr neu Gymru,\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/contact-us\/\"><span data-contrast=\"none\">galwad<\/span><\/a><span data-contrast=\"none\">\u00a0ein t\u00eem heddiw neu cyflwynwch ymholiad isod i archwilio eich opsiynau benthyciad busnes.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Gyda drosodd\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/our-history\/\"><span data-contrast=\"none\">23 mlynedd<\/span><\/a><span data-contrast=\"none\">\u00a0o brofiad o gefnogi busnesau bach a chanolig, rydych chi mewn dwylo diogel.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><em>*Mae credyd yn amodol ar statws. Mae gwiriadau credyd, asesiadau fforddiadwyedd, a thelerau ac amodau yn berthnasol.\u00a0<\/em><\/p>\n<\/div><\/div><form class=\"w-form  layout_ver for_cform us_form_1\" autocomplete=\"off\" action=\"https:\/\/bcrs.org.uk\/cy\/cy\/wp-json\/wp\/v2\/posts\/10097\" method=\"post\" data-trp-original-action=\"https:\/\/bcrs.org.uk\/cy\/cy\/wp-json\/wp\/v2\/posts\/10097\"><div class=\"w-form-h\"><div class=\"w-form-row for_text required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Eich Enw\" type=\"text\" name=\"us_form_1_text_1\" value placeholder=\"Eich Enw *\" data-required=\"true\" aria-required=\"true\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Llenwch y maes hwn<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_email required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Eich E-bost\" type=\"email\" name=\"us_form_1_email_1\" value placeholder=\"Eich E-bost *\" data-required=\"true\" aria-required=\"true\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Rhowch e-bost dilys.<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_textarea required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<textarea aria-label=\"Rhowch eich ymholiad cyffredinol yma.\" name=\"us_form_1_textarea_1\" placeholder=\"Rhowch eich ymholiad cyffredinol yma. *\" data-required=\"true\" aria-required=\"true\"><\/textarea>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Llenwch y maes hwn<\/div>\r\n<\/div>\r\n<input type=\"hidden\" name=\"action\" value=\"us_ajax_cform\" \/>\r\n<input type=\"hidden\" name=\"post_id\" value=\"0\" \/>\r\n<input type=\"hidden\" name=\"form_index\" value=\"1\" \/>\r\n<div class=\"w-form-row for_submit align_none\">\r\n\t<button class=\"w-btn  us-btn-style_1\" aria-label=\"Cyflwyno\" type=\"submit\">\r\n\t\t<span class=\"g-preloader type_1\"><\/span>\r\n\t\t\t\t<span class=\"w-btn-label\">Cyflwyno<\/span>\r\n\t\t\t<\/button>\r\n\t<\/div>\r\n<\/div><div class=\"w-form-message\"><\/div><div class=\"w-form-json hidden\" onclick='return {&quot;ajaxurl&quot;:&quot;https:\\\/\\\/bcrs.org.uk\\\/wp-admin\\\/admin-ajax.php&quot;,&quot;messages&quot;:{&quot;err_empty&quot;:&quot;Fill out this field&quot;,&quot;err_size&quot;:&quot;File size cannot exceed %s MB&quot;,&quot;err_extension&quot;:&quot;%s file type is not allowed&quot;}}'><\/div><input type=\"hidden\" name=\"trp-form-language\" value=\"cy\"\/><\/form><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"Mae gwneud cais am fenthyciad busnes bach yn dechrau gyda thri cham allweddol: deall pam mae angen yr arian arnoch a sut mae&#039;n cefnogi eich nodau, trefnu eich gwybodaeth ariannol, a dod o hyd i&#039;r benthyciwr mwyaf addas ar gyfer eich busnes. Os ydych chi&#039;n rhedeg busnes sefydledig ac yn ystyried cymryd benthyciad, mae&#039;r canllaw hwn yn eich tywys trwy&#039;r broses gam wrth gam, yn ogystal \u00e2...","protected":false},"author":22,"featured_media":10107,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[6,671],"class_list":["post-10097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-loan-application","tag-sme-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Apply for a Small Business Loan in England and Wales<\/title>\n<meta name=\"description\" content=\"Learn how to apply for a small business loan in England and Wales by following a 3-step process of purpose, preparation and comparison.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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