Rating based on 16 reviews



  • Business Loans up to £150,000
  • Low-interest starting from 13.10%
  • Repayment up to 84 months

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BCRS homepage

Author BCRS. Screenshot of BCRS website. [Accessed May 15, 2020]

About BCRS

BCRS Loans Limited was established as one of many new community developments in finance organisations across the UK as a product of government policy initiatives which is now recognised as the Responsible Finance Providers.

We were originally recognised as a social enterprise lender covering mainly the Black Country sub-district of the West Midlands, we soon increased our offer to embrace micro-enterprises and later we incorporated small and medium-sized enterprises across the West Midlands.

We can help you grow your business

At BCRS Loans Limited we lend and manage funds, we are committed to delivering sustainable SMEs that will provide you access to funding through our zealous business loan funds.

We honestly love supporting small businesses when it comes to achieving their goals and seeing them grow as well as offering our assistance to Small businesses and the people they serve. The reason we are here is that our loan funds have been tailored to meet the needs of businesses that are not able to get quick loans the traditional way.

BCRS Services

Getting a loan from the bank and filling out all the paperwork can sometimes be daunting.

We realise that attaining business finance can be a problem at times; unreasonable security arrangements, lack of track record, unreasonable security arrangements, previous financial difficulties or simply because your credit rating has been not so good in the past and may be hindering the process.

A personalised service

Without shareholders to support and with individuals who truly understand the business of business, we’re able to support businesses in more ways than other lenders can; we offer support, financing and advice. We do this because we believe in what we do!

There is no impersonal computerised credit scoring, we believe that you should be able to meet and talk to one of our lending and business development manager in order to develop your online loan application.

BCRS Product Details

  • Loan Type Business Loans
  • Interest Rate from 13.10%
  • Loan Amount up to £150,000
  • Repayment 12 months to 84 months

Benefits of BCRS

  • Professional business finance services
  • Support in business development
  • A personalised customer care service

BCRS Loans offer personal, reliable and an accessible hands-on service

We admit that there is nothing fancy about the way we do things but you’ll find that we like to deliver a simple but professional service to all our customers.

Our services and why you should apply for your loan with BCRS today!

BCRS aim to offer business loans to businesses that have a positive influence on the financial well-being of the West Midlands. We have a wide range of loans obtainable which includes working capital purchasing of equipment, marketing and recruitment. We also finance a lot of market sectors like engineering, construction, manufacturing, IT services, wholesalers and service providers. Our online loan offers are between £10,000 and £150,000.

Whilst doing business with BCRS you’ll find that we are honest and straightforward as well as genuine and personable. We strive to share a mutual hunger to liberate companies and to see business owners and employees grow, to develop and achieve their goals.

We believe in what small businesses do because they are at the heart of what we do, we believe that no feasible business should go unsupported.

We have a reputable reputation in the industry and we try and make it as pain-free and easy as possible. Our representatives will assist you from the beginning of a discussion to signing the agreement and more, they are excellent in communicating with our customers so you’ll always be in the loop of the progress.

BCRS has also been very fortunate to win some prestigious awards

In November 2017 the Black Country Chamber of Commerce announced that BCRS Loan Limited was the prestigious winner of Small Business of the year at the annual awards ceremony

This was soon followed by the shortlisting for the crowning of Small Business award in 2018 at the Nachural Summer Business Ball.

Additionally, we were recognised by Small Co-op- Big achievers awards from the Cooperatives in the UK.

Some history of our amazing organisation

In earlier years, we saw a moderate growth centred on the providing of loans to organisations, social enterprises and small businesses in the Black County who were unable to access finance from traditional foundations such as banks. But this was only the beginning…

From the year 2007 to 2010, we experienced significant growth thru annual loaning which increased to £2.3m across approximately one hundred small businesses and some social enterprises within Staffordshire and the Black Country. Our individual loan values range between £10,000 and £50,000.

By the year 2013, the concern of accessing finance had increased following the global economic crisis; we managed to make £4.3m of loans in that year single-handedly to nearly 150 businesses thru the West Midlands with finances offered up to £100,000. Needless to say, we were proud to be placed as one of the major responsible Finance Providers in the United Kingdom.

Our Most successful year to date was in 2015 when BCRS funded long and short-term loans to the value of £6.5 million. We received national acknowledgement for the way we lead as well as the way we offered and managed our support to individuals by being accredited as an Investor in people but we were also the first lender in the United Kingdom to be presented with the European code of good conduct for microcredit provision.

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BCRS is a trusted & reliable provider of business loans

In our review, BCRS adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

BCRS is a registered credit provider in the UK; FCA number 722855

Customer Reviews & Testimonials

BCRS was sure to tailor a business loan to meet my corporate needs.

Tegwen W
— Leicester —

It was a very simple and straightforward process that I was very thankful for.
The rates and fees were more than affordable.

Ellie F
— Peterborough —

BCRS Contact Details

Physical Address

  • Wolverhampton Science Park, Technology Centre, Glaisher Dr Wolverhampton England WV10 9RU United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed