ApplyOur mission is to make lending to small businesses fair

We are not accepting applications at the moment.
Applications will reopen soon.

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

We could help especially if your bank has turned you down and support you with the funding and help you need to grow. We offer loans from £50,000 to business trading for a minimum of 12 months.

How does a small business apply for a CBILs-supported facility?

CBILS is available through the British Business Bank’s 40+ accredited lenders, which are listed on the British Business Bank website ourpartners/coronavirus-business- interruption-loan-scheme-cbils/accredited- lenders/

In the first instance, businesses should approach their own provider – ideally via the lender’s website. They may also consider approaching other lenders if they are unable to access the finance they need.

Decision-making on whether a small business is eligible for CBILS is fully delegated to the 40+ accredited CBILS lenders. These lenders range from high-street banks, to challenger banks, asset-based lenders and smaller specialist local lenders.

Note: If the accredited lender can offer finance on normal commercial terms without the need to make use of the scheme, they will do so.

Given there is likely to be a big demand for facilities once the scheme goes live, businesses should:

  • Consider applying via the lender’s website in the first instance. Telephone lines are likely to be busy and branches may have limited capacity to handle enquiries due to social distancing
  • Consider the urgency of their need – it is possible that some businesses may be looking for regular longer-term finance rather than ‘emergency’ finance, and there may other businesses with a more urgent need to speak with a lender

Apply now in 3 easy steps

Online Application

This takes about 10 minutes and gives us the ‍‍core information about your business.

Meet your Loan Manager

Y‍‍ou will be contacted by a Loan manager. They will support you as you complete the application‍

Loan Approval

Once the ‍‍loan manager has all the information needed, your application will be reviewed and you will be notified if approved or declined.



AskIf offers fixed term loans with affordable interest rates. You know what you need to repay, when and for how long.

Credit is subject to status and affordability.


We aim to match you with a dedicated loan manager to help you complete the application.

Each application is discussed on a case by case basis, and affordability will be reviewed to help you assess whether your company will be able to afford the repayments.

Loan approval decisions are made by people, not computers and take into account the details of your specific application and circumstances.


We use simple language so you understand exactly what information you need to provide and the terms of any loan offer you receive.


Applications are discussed on a case by case basis with your dedicated loan manager and information is provided to you in order for you to make an informed decision about your business loan. You should be aware that neither your loan manager nor AskIf will be able to provide you with financial advice.  Making Loans to incorporated businesses is a non-regulated activity as defined in the FSMA 2000; Regulated activities order 2001 60C.

If you are in any doubt as to the suitability of a loan for your business needs please contact a qualified business advisor. Ask Inclusive Finance does not provide regulated credit broking activities and as such will only effect introductions of limited companies, public limited companies or social enterprises to responsible finance providers at this time.

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