Application process

The application process looked a bit daunting but was actually really easy once I started.
— Yvonne, Fredericks Client

To start the application process please read the eligibility terms below and then click register. You will receive a confirmation email once your registration is complete.



Once you have registered and received your confirmation email, you can log in to your account and complete the application by clicking log in below.


If you are approved we will require 2 character references from individuals (not family members). They must have known you for at least 5 years.  

Really easy process, the panel meeting was actually enjoyable, online process straight forward, small amount of paperwork was no bother and everyone I met along the way was pleasant, interested in my Business and extremely helpful. Thank you.
— AS


Please refer to the FAQs for more information on eligibility and the application process.

You can apply for a loan if you live or your business address is in one of the following regions below: 

However, please call 01276 472722 if you live elsewhere in England to discuss if we are able to assist.


  • Bath and Bristol
  • Cambridgeshire
  • Cornwall
  • Gloucestershire
  • Kent
  • Lincolnshire
  • London 
  • Northamptonshire
  • Somerset (please call we only fund in some areas)
  • Surrey
  • Wiltshire


You will be required to provide 6 months bank statements, your credit report, as well as other information about yourself and your business proposal.  You can save and leave this at any time and come back to it later.  Once you have completed and submitted your application it will be assessed.

Your business can be at any stage, for start-up businesses we offer up to a maximum of £10,000, though our average loan is less than £5,000.  For established businesses with a financial track record of at least 3 years the maximum loan is £20,000.

If you are applying for funds for a training course, a franchise operation, or debt collection please contact us before you register.

Fredericks will consider your application for a loan and business support if you can demonstrate that you have made a genuine application for funds to your bank or a mainstream lender – and that you have been turned down.

If your application is successful an administration fee is added to the loan, which is paid upfront. If you are approached by a third party for a fee in connection with your loan application please let us know immediately.

Representative example £5000 loan over 36 months, 36 monthly payments of £168.90. Rate of interest 10.54% p.a. fixed. Representative APR. 22.81%. Total amount payable £6580.40, including Fee (Fees are charged at 10% of loan value and are usually payable in advance of draw down).