Our Story

"Our approach harks back to the days of local banking combined with the latest in banking tech. In the past a business could ring up its local bank manager to discuss a loan and the decision was made by that bank manager not a computer.

Now many loan decisions are automated and centralised.  

We aim to match SMEs with a loan manager, supporting them through the application and assessing affordability & risk on the merits of the business, people behind the business and plans for the future.

This enables AskIf to lend to SMEs who can’t access finance from other lenders"


Why do we care?

Over 99.9% of UK businesses are small businesses, employing over 60% of the private sector workforce.  

Independent research tells us that the funding gap is at least £2.2bn per year and could be as much as £9.7bn

Knowing that small businesses have such a great impact upon local economies, job creation and social mobility, we felt compelled to do something.

We partnered with many other organisations similarly passionate about sustainably, ethically and commercially tackling the funding gap for small businesses, and Ask Inclusive Finance was born...

  ‍‍ Find out more about our team

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Access Fair Business Loans

If your business has struggled to secure finance or been declined a loan by a bank, we could help you access the small business loan your company needs to grow.


Many credit worthy small businesses struggle to find the finance they need as they don't fit the criteria of mainstream lenders.


AskIf could provide a loan where others say 'no' including....

If your business is growing fast or has a shorter trading history (minimum 1 year)

If your business has strong cash flow but limited or no assets

If as the business owner you aren't a homeowner


Our loan managers will guide you through the application to find the right finance for your business.

AskIf's main criteria is that the loan is affordable and suitable for your business and loan purpose.

Find out more and apply online today

We got frustrated by banks holding back the growth of small businesses, due to their inflexible rules about who they will lend to.

Our mission is to make lending to small businesses fair, simple and easier to access.

We could help you secure a loan of between £10k - £100k with support from our experienced loan managers.

Our loan managers have been helping small businesses secure the right finance solution for over 15 years.

The decision to lend is made by a person, not a computer and is based on your specific business and plans to grow.

Get a Business Loan

Been declined a business loan by a bank?

We're here to help.

Recent press >

AskIf is an accredited delivery partner for the British Business Bank's Enterprise Finance Guarantee Scheme which facilitates lending to smaller businesses that are unable to obtain finance from their lender due to having insufficient security to meet the lender's normal requirements.

In this situation, EFG provides the lender with a government-backed 75% guarantee against the outstanding facility balance, potentially enabling a 'no' credit decision to become a 'yes'.

As with any other commercial transaction, the borrower is always responsible for repayment of the full value of any loan supported by EFG.

Full details about the EFG scheme can be found on the British Business Bank wesbsite: