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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 a Link To  The Online Application Process

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, a link to the online application process will be emailed out to you. Alternatively you can call us by telephone on 028 7776 3555 to request the link which we will email to you.

  • Complete Online Application

Once you are ready to apply for a Start Up Loan you must complete the online application form.  This will involve:


Fill in the registration form where you will be required to provide personal and business details. At the end of this step if you are eligible for a Start Up Loan an account will be created which you will need to activate.


You will need to complete 3 Stages within the application process.  With your consent a credit check will be run to assess if you are eligible and can afford the loan repayments.  You will need to provide a Business Plan, Cash Flow Forecast and Personal Survival Budget as part of your application and you can upload these documents and then submit the application as soon as you are ready. Other documents may be requested to be uploaded where necessary.

Once you have submitted your application we will be in touch and will assess your application to determine if you have a strong and viable business plan and you can afford the loan and associated repayments.

If your application is approved, you will be issued a Loan Agreement in the mail to sign and once you have signed and returned this agreement you will receive your Start Up Loan.  We will then contact you to introduce you to your mentor who will provide you with up to 12 months of one-to-one business mentoring support.

  • 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.