Free Help Managing Debts

If you are experiencing financial difficulties Fredericks Foundation strongly recommends that you seek professional help. There are organisations you can contact who may be able to provide help and advice free of charge. Four of them are detailed below* but there are others. Please consider approaching such organisations before using one that charges you for managing your debts.

*Step Change http://www.stepchange.org/
*National Debt Helpline http://www.nationaldebtline.org
*Christians Against Poverty https://www.capuk.org/
*Your local Citizens Advice Bureau http://www.citizensadvice.org.uk/

In the last 12 months we have:
  • Created / Protected 242 jobs
  • Advanced 131 loans
  • Lent £705,200

Who are we?

Fredericks Foundation is a charity that helps people wanting to set up, or expand their own business as a means to achieve financial independence whilst rebuilding their  confidence and self esteem but are unable to access the finance required from conventional sources.

How do we help?

We provide a comprehensive range of business support and microloan funding for start-ups and small businesses. In doing so we enable people who cannot access finance, through the usual channels, to realise their potential for the benefit of themselves and their families.

Need more help?

Take a look at our
FAQs or Contact Us.

Start-Up Loans

Funding Partnership supporting new businesses.

Fredericks News

Born out of necessity
Out of discomfort came the business idea
Support from Harrison Clark Rickerbys
More help for small & start up businesses in Northants
Funding fillip for Fredericks Northamptonshire
Press Release
Supporting Sustainable Growth in the Creative Economy
A New Way to Get Credit
Small loans available for any purpose.
July Newsletter
Catch up on the latest
Start Up Business Help
If you have a great business idea but need help to launch it - read on
1000th Loan made in Northamptonshire
Fredericks Northamptonshire is celebrating having funded its1000th client here in Northamptonshire.  
Vibrant Retail Sector Returns
Gloucester woos new businesses
HMRC Help & Guidance
Help & Guidance is available from HMRC for people starting out in self employment
Support from Gloucestershire Business Angels
Angels4Angels share Fredericks vision and pledge their support with cash donation
The Funding Network pitches up for Fredericks in Surrey
Philanthropists support Fredericks work in Surrey
Start-Up Loans - Lord Young's Report
Lord Young's report on growing micro businesses & Start-Up Loans to applicants over the age of 30.
Local Jobs Fund
Selwood Housing Supports local enterprise initiative
Connecting Social Enterprise
Expert support & business opportunities
Fredericks & Community Foundation Alliance
New Partnership Launched
The Peoples Supermarket - Update by Sue Wheat, freelance journalist
Kate Bull is aptly named. She is, in the nicest possible way – bullish: determined, opinionated and single-minded.
Why everyone should be supporting CDFIs
Bank of England and Treasury plans to inject £80bn into bank lending to get money moving to businesses in need of finance

Case Studies

Despite unbelievable obstacles, having self belief and drive Paul & Lynsey are making it happen. 

A can do attitude made this business happen. 

Art for some can be a passion, for some it can also be a business. 

Looking forward with a career using old skills

Hitting the right note in schools

A passion for gardening

Making a living and providing employment

Mum of two Lissie wanted to return to work but couldn’t find a full-time job.

Taking the road to business success

High Tech car repairs for racers of all persuasions

"Living the dream" Funding from Fredericks Gloucester has meant that this mother and daughter team can set up their hair and beauty salon.

Turning a passion for the environment into a living

Darren was unable to find employed work and did not want to register unemployed and receive benefits so he decided to become a self-employed Plumbing & Heating engineer, working mainly on the Island.

Personal fulfillment and a legacy for his children

Luke is Cornwall’s latest client, and was already offering a quality building and maintenance service which was entirely based on word of mouth when he approached Fredericks.

Using drive and determination, Ezim launches her new business. 

New estate agency in Hayle opens for business

How Alex is helping herself by helping others

Being positive and making the changes happen.

Creating new business from old

The next generation of club entertainment

Monica was rejected for a loan by HSBC in 2012 because she hadn’t been with them for long enough, she described her experience with Fredericks as “approachable, supportive and exciting”.

Carissa has been in business for three years having trained as a screen print designer.  Her passion for her product is summed up in her own words, “I Love Print, I love craft materials – I want to make this my business”.

Trinca-Ferro offers all those items needed for the special finishing touches to make a house really charming and well designed with products such as knobs, racks, mirrors, lamps, watering cans, plate racks and other general utilities.

Fredericks London supports new football magazine. Michael Da Silva is a 28 year old reporter and freelance journalist working for BBC Sport Online, Euro sport and Southwark News.

Fredericks Gloucestershire helps launch new laundry business and what it means to Praveena.

"Meeting Fredericks was an amazing experience," says Mahmoud. “They were incredibly helpful and supportive. I appreciate every single thing they’ve done for me.”

A passion for flowers has enabled Janet to turn a hobby into a business.

Swindon based Derek's love of motorcycles led to his business idea

Caroline is a volunteer for the RSPCA and is passionate about animals which makes her very well suited for her new business.

Providing a range of Beauty treatments for men and women with the funding she received in December 2010.

"Living the dream" Funding from Fredericks Gloucester has meant that this mother and daughter team can set up their hair and beauty salon.

Now providing for all your landscaping needs, from small repairs to full design and construction, after receiving a loan from Fredericks South East.

A £4000 loan in early 2009 allowed Kelly to buy her own liveried van and really get Anneli Dance on the road.

A £20,000 loan to aid short-term cash-flow means Sky Gardens can continue to flourish.

Awarded a £2,600 loan in May 2010 Peter is making Swindon a tidier place.

Fred BLOGS

11th December, 2014

To let you all know what happened last week – thanks to the fantastic support and persistence of some wonderful donors we managed to raise over £141,000! Of that £41,000 came from the Reed Foundation via Big...

2nd December, 2014

It’s a bit of a problem talking about ‘giving’ and ‘donation’ when everything Fredericks stands for is about lending and paying back. The whole ‘hand up not hand out’...

22nd October, 2014

I was fortunate enough recently to spend time in Somerset and to listen to Lydia and Annie tell me about some of the early lessons from our work with the excellent Yarlington Housing Group.

The first should be...

15th October, 2014

Why would anyone want to start their own business? Why would anyone want the insecurity of income? The non-stop toil, trying to get recognised and get a customer base?

Not me, I am quite happy working for...

24th July, 2014

I am often asked: “What sort of businesses do you fund?” To which I never have a satisfactory answer. I often reel off the businesses from my last few panel meetings: surfboard repair; will writing;...

24th January, 2014

I was in my local town this morning stocking up at Richardsons, an excellent independent local family butcher that has been trading for 104 years. To get to his shop I had to walk past new hoardings which have gone...