Who We Are

B Y Loans Ltd is a private fund; we lend our own money. We bring 20 years of experience of working with entrepreneurs across the UK.
B Y Loans Ltd is a sister company to Beer & Young Ltd, linked by common shareholders and operating from the same premises.

Beer & Young Ltd

Established in 1998, Beer & Young Ltd is an award winning investment finance group. Run by a team of dedicated professionals, B&Y is an industry leader raising capital for SMEs across the UK. The company has a significant and active network of private investors looking to invest and is adept at raising both equity and debt for its clients.

Our Team

Nick Young
Nick Young


Sheena Shah
Sheena Shah


Emma Knipe
Emma Knipe



Having financed a few projects so far with Nick I am always very happy to use him. He’s fast, extremely reliable and you always get straight answers which isn’t a given with others. He also offers a brokering service and his experience and ability to perform really shine through. Thoroughly recommend!

Sammy A, Broker

Nick Young has always delivered on my projects, for both residential development and funding for my hotels. I happily recommend fellow business owners to Nick and B Y Loans for their funding needs.

LB, Property Entrepreneur

I never have any hesitation bringing borrowers to Nick; B Y Loans always make sure that every case is assessed quickly and on an individual basis. They have been incredibly easy and professional to work alongside with.

Neil H, Broker


We offer flexible, short-term funding to suit your needs.

Apply now