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Application Process


start up loan application processIf you have been refused bank funding, you may then be eligible to receive a Start Up Loan through ENI. We make the process as straightforward as possible. Here is an overview of our application process:

  • Check Criteria and Request an Application Form

If you have checked that you satisfy all of the criteria which are stipulated, you can then apply for a start up loan through ENI. You can complete the contact form under the ‘Request an Application’ button on the homepage and once this has been received by the ENI team, an application form will be mailed out to you for completion. Alternatively you can call us by telephone on 028 7776 3555 to request an application and we will send you the application form.

  • Send Completed Form and Supporting Documents to Us

You will be asked to send your completed application form along with your business plan, financial forecasts and other supporting documentation to us. Once this has been received, the team here will check the required documentation, carry out a credit check and make an assessment of the loan application.

  • Await Loan Approval

ENI work in conjunction with The Enterprise Fund Limited trading as GC Business Finance (TEF) to deliver Start Up Loans on behalf of the Start Up Loans Company. A decision is then made to approve or decline the loan for your start up business in Northern Ireland, based on your satisfaction of the criteria and suitability. A bad credit rating will not necessarily lead to a refusal of the loan, but an assessment will be made taking into account the ability to be able to pay back the loan.

  • What Happens Once You Are Approved?

ENI are responsible for the assessment and approval of the loans before the application is passed to TEF for final checks, draw down and the management of the loan going forward.

  • Use and Disclosure of Information

When considering your application, we will perform credit and identity checks on you with one or more credit reference agencies (CRAs). To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.

We will use this information to:

  • Assess your creditworthiness and whether you can afford to take product
  • Verify the accuracy of the data you have provided to us
  • Prevent criminal activity, fraud and money laundering
  • Manage your account
  • Trace and recover your debts
  • Ensure any offers provided to you are appropriate to your circumstances

We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.

When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

If you are making a joint application, or tell us you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging this application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

If you give us false or inaccurate information and we suspect fraud and/or money laundering, TEF may record this and may also pass this information to fraud prevention agencies and other organisations involved in crime and fraud prevention. It may result in action being taken by TEF to recover any loan subsequently agreed plus interest, costs, charges and expenses relating thereto. By confirming your agreement to proceed you are accepting that we may use your information in this way.

The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained within the Credit Reference Agency Information Notice (CRAIN).

CRAIN is accessible from each of the three CRAs:

Call Credit:     



If you wish to find out what personal data the CRAs hold about you, contact details for the CRAs can be found under section 9 of CRAIN. They might charge a small statutory fee to provide this information.


  • Ready to Jump-start Your Business?

Starting a business in Northern Ireland and need finance? Then a start up loan through ENI could be perfect for you.

Call us now by telephone on 028 7776 3555

Or use this contact form to get in touch.