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A FAMILY dairy whose flagship cheese is sold and served in the UK’s most exclusive restaurants, hotels and department stores has reached a major milestone. 

Mrs Kirkham’s Lancashire Cheese – which can be found on deli counters in Harrods and Fortnum & Mason – is celebrating 40 years of partnership with the revered Neal’s Yard Dairy. 

The decades-long relationship has seen the Kirkham family supply Neal’s Yard with their signature products for onward distribution to an increasing number of high-end venues. 

Family business: Graham Kirkham of Mrs Kirkham’s Lancashire Cheese

Managing Director of Mrs Kirkham’s Lancashire Cheese, Graham Kirkham, said: “I sometimes have to pinch myself when I reflect on how far we have come as a business. 

“We supply some fantastic household names with our signature products and the list, which includes Booths, Waitrose, some of London’s top department stores – and even Whole Foods Market in the USA – continues to grow. 

“That is possible because of the fantastic relationship we have with Neal’s Yard, who have been at the forefront of the dairy industry for more than four decades. 

“Whilst it’s the milestone with them we are celebrating today, it’s only right that we also note the fantastic relationships we have across the wholesale and retail sectors with partners including Courtyard Dairy, Chorlton Cheese Mongers, Fine Cheeses and Paxton and Whitfield. They have, and continue to be, a hugely important part of our journey.” 

Enterprise Answers has been proud to play a role in the continued growth and development of Mrs Kirkham’s Lancashire Cheese. 

The company was founded on the rural outskirts of Preston, Lancashire, in 1978, when Graham’s grandmother, Ruth, first started to make the cheese. 

With the help of her husband John, Ruth turned an old piggery into a cheesemaking dairy which was their base until 2008, when production shifted to a purpose-built five-acre farm with on-site milking and cheese production facilities. 

The family now have 100 cows and produce up to 100 tonnes of cheese every year using traditional methods. 

In addition to top supermarkets and high-end department stores, Mrs Kirkham’s Lancashire Cheese also features on the menus of some of the UK’s leading ‘A-list’ hotels and restaurants, including The Langham, Hampton Manor, the triple-Michelin-starred Moor Hall and Michelin-starred St John in London. 

For Graham, continued investment in the business is key to its ongoing success, with the most recent works focused on a state-of-the-art milking parlour system. 

That investment was made possible by working with Enterprise Answers, a not-for-profit business lender operating across Lancashire, Cumbria and Yorkshire. 

Graham said: “Enterprise Answers have a great approach to business lending and development. They are genuinely approachable, caring, easy people to work with. 

“They work hard to understand where you are, where you want to get to, and will work hard to support your vision through tailored business lending. 

“We certainly could not have upgraded our milking parlour without their support; they are fantastic business allies to have on side.” 

With the dairy’s on-site farm shop rapidly growing in popularity and trade demand for the business’s eponymous cheeses showing no signs of abating, the future looks bright for Mrs Kirkham’s as it cruises towards its 50th anniversary. 

Grahame Latus, Chief Executive of Enterprise Answers, said: “We love to work with businesses with vision, drive and ambition. 

“Mrs Kirkham’s Lancashire Cheese is a perfect example of a family enterprise that has stayed true to its roots while embracing progress. 

“Their commitment to quality and tradition has created a product – and a brand – that stands proudly on the world stage. It has been a privilege to help support their journey.” 

A yoga and Pilates instructor who took a calculated risk by opening a high-end studio in the heart of a popular spa town has marked a special anniversary with a major announcement. 

Enterprise Answers client, Ebru Evrim, started her fitness journey with six mats in a village hall and is now the proud owner of the largest yoga and Pilates studio in the north of England. 

Against a backdrop of struggling town centres, the Harrogate-based studio – which boasts two floors dedicated to wellbeing and a recently opened ground-floor café – is thriving. 

As Ebru celebrates three years since hosting her first class at the venue, she has unveiled her vision for the future: an online training academy. 

She said: “Yoga and Pilates are my passion. I always wanted to create a space to move, to make people happy, feel great and, above all, stay healthy. 

“Since moving to the UK with my family nine years ago, I’ve focused on teaching – starting in a village hall in the Yorkshire Dales and growing to the point where I felt confident opening a high street studio. 

“My dream has always been to provide a space that is modern, inclusive and a destination for people who want to improve their physical and mental wellbeing. 

“Now is the time to expand the reach of what we do so people across the UK – and perhaps beyond – can benefit from the yoga and Pilates we teach.” 

Ebru trained as a yoga instructor in India and as a Pilates instructor in her native Turkey. Now that expertise will be shared with students nationwide through the Ebru Evrim Academy. 

She has thousands of hours teaching experience and as a PIlates instructor, already has more than 100 Pilates teacher training graduates to her name.

The academy launch marks another milestone in a remarkable journey for the driven entrepreneur. 

After word of her community-centre classes spread, she opened her first yoga studio in Skipton – a venture supported by a finance package provided by the team at Enterprise Answers. 

The team worked with Ebru to help make her studio dream a reality – and it was on the back of that success that she eventually made the move to Harrogate. 

Grahame Latus, Chief Executive of Enterprise Answers, said: “Ebru is an extremely inspiring businesswoman. She has found a niche and developed it to the point where she now runs a vibrant, busy studio in one of the most desirable towns in the north of England. 

Inspired: Grahame Latus, Chief Executive of Enterprise Answers

“She has created jobs, opportunities and a facility that is a genuine benefit to the people of Harrogate and beyond, and it has been our pleasure to support her journey. 

“The launch of the Ebru Evrim Academy is very exciting and an incredible next step on this impressive journey of growth.” 

Enterprise Answers recently published its 20-Year Impact Report, which shows that since its launch in March 2005, the organisation has completed 544 client deals, channelled £20.3 million into ambitious businesses, safeguarded or created 2,033 jobs and contributed an estimated £81.2 million to the regional economy. 

Speaking about the support she received, Ebru said: “The difference between Enterprise Answers and other lenders is that they are always there; they’re almost part of our team. 

“For start-ups, the problem is getting a loan to help feed growth and investment – it’s almost impossible to do this with high street banks, but Enterprise Answers believed in the vision and worked with me to make it a reality.” 

More details of the Ebru Evrim Academy will be revealed soon as plans for the first intake gather pace. 

If your business needs support, call 01768 867118 or email [email protected] for an initial chat. 

Cumbria’s farming community, often referred to as the backbone of the region’s rural economy and cultural heritage, continues to experience challenging periods of profound transition and uncertainty. Since the summer edition, one of the most pressing challenges has come from the climate. Whilst an enjoyable summer for most people in terms of the prolonged dry, warm, if not hot weather, the lack of rainfall and cooler temperatures has seriously impacted on arable farmers. There is no easy solution as we are not a nation built around irrigation channels to assist, yet the outcome for many farmers will be a poor harvest or significantly lower crop yield, and we know where the impact will be felt – at the supermarket till in the months ahead.

It’s challenging times like these when farmers need to keep thinking one step ahead, be entrepreneurial and devise a means to generate more income from their land to supplement when conventional income streams become less reliant, especially due to factors, such as the climate, are beyond their control.

Over the years, Enterprise Answers has supported numerous farmers with simple, flexible finance where conventional lenders have been less willing with many borrowers embracing the fact we are a face-to-face local lender making local decisions based on old fashioned judgmental principles. In fact, some farmers have returned for additional finance to scale their enterprises citing their coming back to us as “being easier to deal with” which compliments our ‘keep it simple’ approach to lending.

Farmers across the county have obtained finance from Enterprise Answers for a variety of purposes, such as tenant farmers who have required capital to purchase in-going stock. It is not unusual where banks have asked us to assist in this manner whilst they provide the bank account with a nominal overdraft. Tenant farmers have come and gone across the region with finance provided to one to relocate into the Eden area from South Yorkshire and another to leave the same area to take on a new tenancy in Northumberland.

Tenant farmers will find accessing finance slightly more challenging than landowners due to the lack of tangible security, yet Enterprise Answers is (and the only one based in Cumbria) an accredited lender of the British Business Banks’ Growth Guarantee Scheme which enables the lender to allow more flexibility to borrowers who lack security for their requested facility. Utilising the scheme enables us to be more supportive of those marginal propositions where security shortfalls or confidence in the borrower may be an issue.

But landowners too have benefitted from finance including one in the Eden Valley to build a new barn, another in the Brampton area who used our finance to convert redundant outbuildings in to holiday cottages, generating income which has now for them, become an important and reliable source of income to bolster the revenue they receive from their sheep holding. Another Lancashire based farmer has used our finance to upgrade their food manufacturing equipment, increased productivity thus generating an uplift in revenue, all made from the milk produced from their own dairy herd.

Which is exactly what we did when a tenant farmer requested bank finance to acquire a Friesian dairy herd to boost yield productivity and turn the farm back into profit. The bank didn’t believe it would work, turned them down & they obtained the finance from Enterprise Answers – in roughly a year, the farm was back in profit, and they proved a point – farmers know what they are talking about which is where the value of our face-to-face approach gains merit.

Our commitment to Cumbria’s agricultural community was further highlighted at the recent 2025 Cumbria Farmer Awards, where Enterprise Answers proudly sponsored the Special Recognition category. The honour was presented to Gillian Potts for her decades of support to young farmers and agricultural shows, a testament to the values of dedication and community spirit that Enterprise Answers seeks to uphold.

Image – Jenny Woolgar Photography

The awards evening, dubbed Cumbria’s “rural Oscars,” celebrated the passion, skill, and resilience of the region’s farmers. From sustainability champions to innovative diversifiers, the event showcased the breadth of talent and determination within the sector. Enterprise Answers’ involvement as a sponsor not only reinforced our support for farming excellence but also highlighted our role as a trusted partner in the region’s rural development.

As Cumbria’s farmers continue to grapple with economic pressures and policy shifts, the need for responsive, locally rooted support has never been greater. Enterprise Answers stands out as a beacon of hope — offering not just funding, but belief in the future of farming. Our work ensures that Cumbria’s agricultural legacy is not only preserved but re-imagined for generations to come.

NOT-for-profit lender, Enterprise Answers – which has brokered more than 500 deals to help businesses grow and flourish – has marked its 20th anniversary year with a major funding milestone.

Our organisation, which is based in Penrith and operates across Cumbria, Lancashire and Yorkshire, recently crossed the £20 million in loans threshold.

We are marking the occasion, and celebrating some of the many entrepreneurs and commercial enterprises we have helped, with a special report which measures impact linked to economic growth and prosperity.

Chief Executive, Grahame Latus, said: “Back in December 2004, we were handed a clear brief – ‘make it happen’. With just sixteen months of funding and a belief that Cumbria needed an alternative business finance option, we set about doing just that.

“Two decades later, the impact speaks for itself. But this has never just been about lending money. It’s about building relationships, walking alongside businesses, and helping them grow, adapt, and create jobs.

“We focus on value over volume, supporting firms mainstream lenders often overlook. In many cases, our involvement has helped rebuild confidence, with banks later stepping back in.

“That’s the power of local knowledge and patient finance.”

Enterprise Answers’ newly published 20-Year Impact Report shows that since launch in March 2005, the organisation has completed 544 client deals, channelled £20.3 million into ambitious businesses, safeguarded or created 2,033 jobs and contributed an estimated £81.2 million to the regional economy.

And we have been on hand, even when times have been incredibly tough.

During the 2008 financial crisis, when banks pulled down the shutters, more than 60 SMEs in Cumbria alone received over £1 million in support – helping them stay afloat and continue trading through one of the toughest economic periods in recent history.

When Covid-19 shuttered retail and hospitality in 2020, its loans kept businesses such as Mrs Kirkham’s Lancashire Cheese turning milk into money.

BUOYANT: Mrs Kirkham’s Lancashire Cheese has gone from strength to strength. Pictured Graham Kirkham

Other beneficiaries range from Cumbria Crystal in Ulverston, who have accessed finance for new kilns and other specialised machinery, to safety-engineering group Delkia, now employing scores of engineers across three northern sites, and micro-producer Lakeland Lights, whose scented candles are sold nationwide.

Beyond balance-sheet metrics, the report highlights wider social dividends: more than 55 employees have gained new qualifications through the Eden Business Support Fund – jointly administered by Enterprise Answers and Westmorland and Furness Council – and regular donations to Eden Valley Hospice underscore Enterprise Answer’s commitment to its communities.

Grahame said: “Crossing the £20 million line is cause for celebration – but it is more than a number; it proves that capital deployed close to home can drive growth that London-based banking institutions routinely overlook.

“We offer an approach to lending that has been absent from the high street for many years and our ethos is simple: if a proposal stacks up on the farm, factory floor or high street, we will work hard to ensure we can deliver the very best funding solution.

“Looking ahead, our mission remains unchanged: to keep creating opportunity and unlocking potential in the places that need it most.”

Enterprise Answers offers finance for businesses which have been trading for at least two years, with loans of up to £150,000 available. Call 01768 867118 or email [email protected] for an initial chat.

Alternative business lender Enterprise Answers has gone live as a delivery partner for the new Recovery Loan Scheme (RLS) in the North of England.

Enterprise Answers will deliver loans from £25,001 to £100,000 via the government-backed Scheme to support the growth and recovery of businesses that have been impacted by Covid-19.

The not-for-profit lender has delivered its highest ever volume of lending during 2020/21, to businesses during the pandemic through the Coronavirus Business Interruption Loan Scheme (CBILS).

Administered on behalf of the Government by the British Business Bank and delivered through accredited delivery partners such as Enterprise Answers, RLS funding can be used for any legitimate business purpose, including to manage cashflow and facilitate investment and growth.

Businesses that have already taken out Covid finance support, such as CBILS or BBLS facilities, are eligible for RLS.

Grahame Latus, Chief Executive of Enterprise Answers, said:

“We are delighted to have been accredited as a delivery partner for the Recovery Loan Scheme (RLS) and to be working with the British Business Bank once again to ensure that businesses in our region can access the finance they need to emerge stronger from the pandemic.”

“Our commitment to supporting businesses during the Covid-19 pandemic has never wavered, which ultimately saw us deliver CBILS funding to a diverse range of SMEs across our region.”

“It is important that we now ensure businesses can access the finance they need to grow and recover, which will be crucial as the economy begins to unwind from an intense period of lockdown and disruption. Government-backed lender guarantees such as RLS can help lenders turn a ‘no’ credit decision into a ‘yes’.

“We have been impressed with the resilience and tenacity of small businesses through an unprecedented and incredibly challenging period in history. Enterprise Answers has an experienced and knowledgeable team who are committed to doing all we possibly can to support businesses right now, so please do not hesitate to get in touch or submit an online enquiry to kickstart your growth or recovery plans.”

The not-for-profit lender has been supporting businesses that are unable to access finance from traditional lenders for the past 16 years and has a Covid-safe loan process in operation.

The Recovery Loan Scheme is managed by the British Business Bank on behalf of, and with the financial backing of, the Secretary of State for Business, Energy and Industrial Strategy.

Lancashire, Cumbria and Yorkshire Dales based businesses affected by the Covid-19 pandemic should visit https://www.enterpriseanswers.co.uk/recovery-loan-scheme/ to discover more about Recovery Loan Scheme (RLS), check eligibility and submit an online enquiry.

When car enthusiast, Gary Winfield took a leap of faith with a new start-up aged 50, he could not have predicted the journey that would unfold.

Many entrepreneurs begin their journeys at a young age by taking opportunities that come their way and following a passion. This was certainly the case for Gary Winfield who set up his very first business at the age of 22, selling mobile phones and car electronics. His growing interest in  cars was well timed, coinciding with the 90’s boom in performance tuning and modifications across the UK. Gary began to diversify the business to meet demand, building up a portfolio of shops around Essex and forging strategic partnerships within the industry.

Several years later Gary was head hunted by a vehicle enhancements operation to work in the U.S.A. He took the decision to wind up and sell his beloved business and he and his wife moved to Florida. The venture didn’t last however, and after several years the couple returned to the UK and their family.

“I’d fallen out of love with the industry and felt I needed a change of career”, Gary says.

“We moved to a new area of the country [Lancashire] where some friends were living and set up our lives again”.

Before long, his passion for cars and restoration had resumed. Gary bought a couple of classic cars to restore in his spare time. This was a turning point in his career and in 2017 Gary decided to once again return to the industry that he loved.  

“I was leaving a well-paid job that I enjoyed and was starting again from scratch. It was the hardest decision I’ve even made. I asked myself if I should be doing this at fifty but something spurred me on.”

“I knew I loved cars. I knew I loved talking to people about cars. I knew I loved working on cars and taking a blank canvas; something that needs some real care and attention and turning it back into someone’s dream car.”

Gary found a business premises in Lancashire and set up his new venture, ‘Klassic Toyz’ to offer a professional classic car restoration service. Whilst working on customers cars, Gary came across a gap in the market.

He says, “I noticed a lack of readily available products for cleaning classic vehicles. The products used on modern cars are too abrasive for classics and can easily damage the paintwork. I was finding it difficult to source the right products, so I decided to create my own.

“I spoke to specialist chemical companies, undertook some research and formed a range of specialist cleaning products that would be safe and eco-friendly for both old and new cars. Over the past three years I’ve expanded the range and I now sell 27 unique products under the brand, Klassic Kleen.”

The growth in the business necessitated a move to a larger premises that could house a purpose-designed detailing studio and extra workshop space. After a brief search, Gary came across a new unit at Preesall Over Wyre. In October 2019, he began a full refurbishment and refit of the new premises, with a grand opening planned for March 2020.

“To my complete dismay, the government announced the lockdown one week before our opening.  We contacted all our clients, car clubs, industry contacts and the friends that we’d invited, to tell them that the opening event wouldn’t be going ahead. In the end, we held just a small gathering. I took it all personally and spent two weeks wallowing and feeling really down.”

Like many other business owners, when the pandemic struck Gary was left feeling unsettled and unsure about what the future would hold for his business. Then he had a lightbulb moment.

“Suddenly I realised that I was in exactly the same position as all my competitors and that the coronavirus pandemic was going to level the playing field somewhat. Now was the time to elevate the business, introduce new concepts and drive brand awareness. I applied for available government help and received a grant which I could use to update the business branding. I had a clear vision of how I wanted the brand to look and be perceived, but I needed some advice.”

“I’d met Grahame [Grahame Latus of Enterprise Answers] two years previous at a business event and we’d spoken at length about the business. He’d left me his details and offered his help should I need it in the future. I made the call and we set up a meeting. I discussed my ideas with Grahame and he gave me the reassurance and support to progress them.”

After a successful rebrand, Gary began to pursue his other concepts for the business, saying, “I wanted the business to offer something different and unique. I knew that I liked talking to people about cars, and spending time discussing my work with customers. I’d always liked the idea of giving back to the community and I was interested in developing a concept for an educational programme that I could offer to disadvantaged youngsters within the local community.”

“I had an idea of creating a second floor in the studio where customers could comfortably wait whilst their car was worked on or where car enthusiasts could meet up and chat. This would also be the perfect space and facility to hold talks and educational workshops.” 

“I knew I would need some investment to achieve my dream, so in November I got back in contact with Enterprise Answers. Having an already-established relationship with Grahame and the team was a huge benefit. We talked through my ideas and the loan application process and then they arranged the loan. The whole process was made easy because they were so approachable, it wasn’t like the corporate transactions that you would have with a bank.”

As an independent, not-for-profit lender, Enterprise Answers are able to offer a different service from banks and traditional lending organisations. Their approach offers appropriate lending alongside a knowledgeable relationship-based service, providing long-term support to businesses in order to create tangible value and a positive impact.

Grahame Latus of Enterprise Answers said, “It has been a pleasure for us engaging with Gary and providing the assistance required to enable him to realise his creativity & unleash his potential.

“We have nurtured him along the way, helping him to pull his business proposition together and the loan we have provided has enabled an amazing transformation of his business unit, which opens the door to so many other opportunities for his business. The future for Klassic Toyz is as bright as the cars he has finished working on!”

“This is a great example of our client engagement where we have listened, understood and delivered.”

Speaking about the project, Gary says “Creating the new first floor coffee lounge facility, which we’ve named The Pit Stop Lounge, has been the single biggest achievement with the business to date; not just because it’s our unique concept but also because it brings together those important elements of the business; community, passion, learning and education.”

To find out more about Klassic Toyz/ Klassic Kleen, visit www.klassictoyz.co.uk

A reflection of the past sixteen years from Chief Executive, Grahame Latus

“You guys won’t last twelve months doing what you’re doing”, a statement I keep reminding myself of as each anniversary passes from when we opened our doors to business on 1st March 2005, some sixteen years ago.

Taking the telephone call less than a week after we opened, from a known Business Adviser who made the above remark was somewhat disappointing. Clearly the individual had no understanding of our remit and lacked the vision to appreciate, that what we were setting out to achieve would actually benefit the clients he was tasked to work with.

If he had asked, I probably would have shared with him the two years research previously undertaken which evidenced the need for an alternative source of business finance for business in Cumbria. Evidence which clearly highlighted, that no matter how well served the county was by mainstream banking services, there were still business’s in the county which were falling through the eligibility cracks of the big banks and meant many were being deprived of access to capital for growth, expansion, equipment, etc and with that, the opportunity to create and/or safeguard jobs which fuel the local economy.

Enterprise Answers supporting local businesses through This is Cumbria

Our remit has never been to compete with the banks, but rather to focus on those marginal, yet viable, lending propositions which the banks have a limited appetite for, whatever their reason and to provide businesses with the finance required to achieve their aspirations to start, grow and develop into long term enterprises, creating a positive economic impact in the regions they operate.

But how do we differ from the mainstream? Simply by applying the good old-fashioned principles of judgmental lending, remembering the days when you could talk to your bank manager and he or she, through their knowledge of you and appreciation of your business (or the business idea if you were starting out) would then make their decision to lend, or not. At Enterprise Answers, our values are based upon similar principles, we make the lending decisions at our Penrith office and we make them locally, without resorting to credit scoring and we treat each lending application on its own merits as we really do appreciate, no two businesses are the same. For us, it’s about the people behind the business, as they at the end of the day are the decision makers and this is a key area of focus for us.

Since March 2005 we have lent millions of pounds to hundreds of businesses across Cumbria, Lancashire and Yorkshire but for us, its not about these volumes, but rather the impact those businesses which we have invested in make, enabling them to prosper, grow and add value to everyday lives, communities and the economy. Some of those businesses were known brands locally and have since our investment, grown to be national if not, international brands.

We have weathered the storm of the financial crisis in 2007/8 when the economic crash occurred, forcing many banks to retreat into a risk averse shell bringing the lending shutters down, yet we soldiered on to assist those businesses in need. In 2020 we found ourselves in the midst of yet another economic crisis, brought on by the Covid-19 pandemic and again we rose to the challenge to assist the Government and the economy, through being one of the first Coronavirus Business Interruption Loan scheme (CBILS) accredited delivery partners, providing the valued financial support businesses sought to navigate the unprecedented crisis.

We are not a big team, but we do pack a mighty punch with a collective belief that we can provide viable businesses with the financial support they need when mainstream lenders are unable to oblige. Competing with mainstream lenders is not our aim but if we can say ‘yes’ to a proposition when other lenders cannot, then we will endeavor to assist, create opportunity, unleash potential and there is a lot of it about, as we have witnessed some amazing business innovation during the pandemic. We engage with a wide range of partners, both nationally and locally, enabling us to connect our clients to a diverse range of business support and add value to any financial package we may offer.

If you are a business based in Cumbria, Lancashire or the Yorkshire Dales in need of financial assistance to develop, expend, grow or even start your own business, you have an alternative lender on your doorstep who will take the time to listen, understand and deliver. Visit our website (www.enterpriseanswers.co.uk) and let us know if we can help.

Today, the Enterprise Answers team may currently be operating remotely due to the pandemic, but we will raise a glass to the past and future years, to acknowledge the team for their unwavering commitment, our Board of Directors for their unrelenting support and to toast our 16th anniversary, the one we were told we would not reach!

Not-for-profit lender, Enterprise Answers reflect on the unique challenges and achievements of 2020 for businesses in the North West.

During a year which has brought about so many uncertainties and difficulties, it was important for us to recognise and celebrate the achievements and successes we have been a part of, no matter how big or small. 

The ethos behind our organisation has always been about enabling businesses to realise & unleash their potential through appropriate finance. Much of the support we provided to businesses in 2020 was about enabling businesses to temporarily protect and safeguard through appropriate finance, in order to allow those businesses to survive and flourish long-term.

No-one could have predicted the way in which 2020 was to unfold at the start of the year. The news reports of a virus outbreak in China bore little impact until case numbers in the UK began to grow and the FTSE 100 fell. Businesses began to worry and seek advice for a situation that they had never experienced before.

Once the chancellor announced the Government’s intention on 16th March to make £330bn available to businesses affected by the virus in loan guarantees, many businesses began to plan for a crisis with many unknowns. 

We were approached by the British Business Bank to become an accredited lending partner to a new scheme, the Coronavirus Business Interruption Loan Scheme (CBILS) which would launch on 23rd March. 

As Cumbria’s only accredited delivery partner, we anticipated a rush of enquiries from businesses. We quickly set up a system to handle all the enquiries, knowing what a worrying time it was for business owners. By the time the first lockdown was announced on 23rd March, trading conditions and the marketplace changed dramatically. The phone began to ring and emails pinged in.

Every trading business suddenly found themselves having to respond and take swift action to the changing situation. Every company with employees had to make decisions based on the limited knowledge and guidance available, whether it be to stop trading and furlough their staff or to change their business processes to enable staff to work from home or to source and introduce new PPE to continue to work safely.  

Just as for everyone else, our team had to review our working situation and we quickly re-organised our infrastructure to allow home working. We are fortunate to have a small but hard-working team that are used to working closely together and can be totally flexible and adaptable, which stood us in good stead for the months ahead.

On 21st April, The Toy Shop in Cockermouth became our first business to receive a funding boost through the CBILS scheme. The husband and wife owners, Jonty and Fiona Chippendale, took the decision to close the shop but realised that without a cash injection, they wouldn’t be able to buy stock and recommence trading on the other side of the pandemic. When we were approached by Jonty, we knew it was a business we wanted to work with. In the end it took just 4 working days from picking up the application, to assess it, approve it and deposit the funds in their business bank account.

Another business that we were able to assist through the CBILS scheme was third generation cheesemakers, Mrs Kirkhams. The business saw a 75% cut in their trade overnight after lockdown, but with the farm’s outgoings to cover the owners knew they needed financial help to see them through. Once the loan had been approved, the business had breathing space to allow them to pivot and begin to sell direct to customers.

Lancashire-based manufacturer Darwen Terracotta approached us shortly after lockdown. The owners were eager to find a way to safeguard the business with its 120 years of heritage and specialist skilled workforce. They had put two thirds of their staff on furlough and worked out what amount they would need to assist their cash flow, based on a worst-case scenario. Having the money in the bank ultimately allowed them to keep their production going and their workforce employed.

We were delighted to learn of a recent success from a business that we supported prior to the pandemic. The historic Lancaster inn,  Plau has been granted Grade II listed status by Historic England, a real accolade to the whole team involved in the project! The premises was bought by the current owners, Jeremy and Rebecca Rowlands in 2014 and they set about transforming the building into a pub. In 2017 we provided finance for the renovation and it successfully opened as a destination venue in 2019.

Another highlight of the year for us was being a part of the very first North West Family Business Awards, held under the wings of Concorde at Manchester Airport in early March. We are passionate about family businesses and being involved with the event allows us to further support the sector. This year we sponsored the People’s Choice award for Lancashire and it was a privilege to see so many super family businesses enter and of course the ultimate winners, Pendle Doors Ltd be crowned. What a super celebration of family business success the event was!

Overall, despite the obvious challenges and difficulties that 2020 brought, we have been pleased to be able to continue making a positive difference to businesses within Cumbria, North Lancashire and the Yorkshire Dales.

As an independent, not-for-profit lender, our interests have always differed from those of the banks. What is important to us is to support businesses where appropriate lending can create value and a positive impact, whether that be through providing benefits to the wider community, safeguarding jobs or preserving rich heritage.

In 2021 we aim to continue to support businesses in this way, with not only a strong lending capacity but also with our knowledge and expertise and a team that offers a relationship-based service for businesses long-term.

Our message to businesses for 2021 is to try to remain upbeat and positive, to continue with your business plans where possible and to look ahead to the future in the knowledge that government support will be available. Finally, we would like to take the opportunity to send everyone our very best wishes for the year ahead.

Ten years ago, Bruce Brown and Luke Jackson teamed up to run a coffee lounge in Carlisle. Back then, they could never have foreseen the whirlwind journey this venture would take them on.

When the previous owners relocated to London, the two entrepreneurs took over the reins of the Foxes Café in Carlisle, fuelled with energy, enthusiasm and coffee.

The learning curve was steep admitted Luke, saying “Neither of us had run our own business before but we liked the sound of it. We knew there would be some challenges, but we weren’t quite prepared for the huge ups and downs that followed. Initially we adopted a beg, borrow and steal approach to get the business up and running, along with help from family and friends”.

As they worked together tackling the inevitable array of issues and tasks that the hospitality sector is known for, they gained vital knowledge and experience that would serve them down the road.

“Every time we encountered a problem, we dealt with it by saying let’s address this, solve it and then make what we’re doing better” said Luke. The duo believe that it is largely down to their can-do attitude that has driven them to where they are now.

After three years of running Foxes Café, Bruce and Luke began to toy with the idea of roasting their own coffee. It would combine their shared love of great coffee with an opportunity to secure the supply of consistency high quality speciality coffee for their cafe. Bruce and Luke’s Coffee business was born.

Luke explained, “We sought out help from a top coffee roasting specialist to source a roaster. We trialled a batch, which started out okay and got better and better as we refined the process”.

In addition to learning the art of coffee roasting, Bruce and Luke then began operating a wholesale business. Luke says, “This was very different from running a consumer business. We established some great partnerships with regional retailers and coffee houses, but we knew early on that we wanted Bruce and Luke’s to be a consumer business too”.

The first Bruce and Luke’s Coffee shop opened its doors in 2014 on Abbey Street, Carlisle serving its own brand of coffee and delicious donuts. Luke said “The timing was perfect. The cool coffee scene hadn’t really arrived in Cumbria and so we were introducing something different. We felt that by adding donuts to our offering would give the brand a friendly, fun vibe that injected some of our personality in and kept any pretentiousness out. And anyway, who doesn’t love donuts?

“By producing our own coffee and baking our own amazing donuts, we could ensure great quality as standard. The difference in what we offer customers is the excellent service and the fun and vibrant environment that we create through employing enthusiastic staff that love what they do”.

The success of the first Bruce and Luke’s coffee shop inspired the duo to announce ambitious plans for the future of the business. One hundred stores by 2029, no less!

As they began to look for their next venue, a proprietor in Keswick approached them. Luke said, “The location was perfect. Keswick didn’t have anywhere offering great quality food and coffee to go”.

The pair began to make plans for the second Bruce and Luke’s Coffee shop and looked at funding options. “Our bank, The Cumberland didn’t have the right product for us”, said Luke. “We were recommended to speak to Grahame at Enterprise Answers, who was able to come up with a good solution. We found them really supportive of our plans to grow the business.”

Chief Executive of Enterprise Answers, Grahame Latus said, “When Bruce & Luke approached us for finance to establish the Keswick outlet, we literally had no hesitation in offering our support as their brand spoke volumes. We were proud to help them grow their business presence in the heart of the Lakes and enable them to serve a wider global audience.”

Luke added, “We were seeking finance based on the projected profit. Going through the application process, we felt totally confident in our brand, our business model and our profitability. We were looking for a loan that would finance our business growth, confident of a return in the investment.”

Grahame said, “Bruce & Luke have demonstrated an incredible entrepreneurial flair and have channelled their energy & passion through their team to deliver a refreshing customer experience. Coffee & donuts is a simple concept, but it works particularly well because of the style with which it is delivered.”

Luke Jackson

The second Bruce and Luke’s Coffee shop opened in Keswick in July 2020, after a soft launch just before lockdown. Luke admits, “Covid was terrifying. Obviously, we had worries and there were new issues to contend with but there’s always something that changes the game you’re playing; you just have to roll with it.

“There was a fantastic reception to the new shop. The support from our social media following has been amazing and during the first few weeks, we had queues outside.”

Grahame added, “Bruce & Luke have demonstrated an entrepreneurial flair that knows no boundaries. These guys will go far and their offering has shown an incredible resilience during these challenging months by serving products which put a smile on people’s faces.”

To find out more about Bruce and Luke’s Coffee, visit www.bruceandlukes.com

Located in East Lancashire, heartland of the Industrial Revolution lies a business that is home to generations of skilled artisan craftspeople. They are creators of architectural terracotta and faience (glazed terracotta) products, that first became popular after the First World War.

During the last century, this specialist workforce has played a major part in the restoration of some of Britain’s landmark buildings. The business survived two world wars and a management buyout but was left in a precarious position after the outbreak of COVID-19.

The origins of Darwen Terracotta date back to 1897, when in its previous form as ‘Shaws of Darwen’, they produced decorative finishes in terracotta for the many opulent civic monuments commissioned during the Victorian era.

Fast forward 118 years later to 2015, when Shaws of Darwen decided to close the architectural terracotta division to focus on their fireclay sink business, the opportunity arose for former employees to set up a new business, employing the very same, skilled craftspeople.

Business partners behind Darwen Terracotta, Steve Allen and Jon Wilson describe the company as ‘a new name, with old hands’. Both already had experience in working for the firm in senior positions when the terracotta division was closed and neither wanted to see the specialist skills of the workforce lost.

Steve said, “Jon and I began to make a plan. We felt there was still a market for the terracotta products and we didn’t want to see some forty employees made redundant.”

“The company was one of only three manufacturers of architectural terracotta and faience products in the world, and there was a lot of prestigious buildings in the UK that had these finishes, requiring restoration at some point”.

“We set up the new company and found a premises in September 2015. One of our first contracts was restoring various sections of the historic Wigan Town Hall. We have subsequently completed restoration work on the Royal Albert Hall, Harrods department store, the Natural History Museum and the Savoy Hotel to name just a few.”

Alongside their senior team, they began to develop the business, showcasing their work at national shows and exhibitions, leading to some exciting sculptural commissions and new build projects. They also decided to utilise the workforce’s prior experience in handmade sink production to once again, begin producing fireclay sinks, launched under their new brand in March this year. Shortly after this, the county went into lockdown and the business was seriously affected.

Steve said, “The lockdown made a huge impact. We are fifty percent down on our forecast sales this quarter. All planned projects have been delayed.

“After the lockdown was announced, we knew that we would need financial help to get us through this period. We put two thirds of our staff through the government job retention scheme and worked out what amount we would need to assist our cash flow, based on a worst-case scenario.

“We wrote to our bank but after receiving no reply, we searched for lenders in our area and found Enterprise Answers. We began the Coronavirus Business Interruption Loan Scheme application process with them which involved talking through our business plan over the phone. Once the loan had been approved, the money was in our bank in under a week.

“Having the money in the bank has allowed us to keep production going and keep our workforce employed. After achieving year on year growth since 2016, we can’t wait to get the business back on track and thriving once more”.

Enterprise Answers are an accredited delivery partner for the Coronavirus Business Interruption Loan Scheme (CBILS) in the North West. The CBILS scheme enables lenders to provide facilities of up to £5m to SME’s who are experiencing lost or deferred revenues, leading to disruptions to their cashflow. 

Chief Executive of Enterprise Answers, Grahame Latus said, “It was a pleasure, if not a privilege, to be able to assist Darwen Terracotta Limited with a CBILS loan which enabled the safeguarding of 40 jobs. The company is an exemplar of all that is good about British skilled artisan craftsmanship and boasts an impressive portfolio of its works across the UK and abroad.”

Grahame Latus of Enterprise Answers

“Darwen Terracotta Limited have built a tremendous business model over the last five years which has seen year on year growth. CBILS was designed with businesses like this in mind, to preserve the growth, the jobs, the skills and create a financial platform from which the business can emerge from the pandemic, just as strong as ever.”

The Coronavirus Business Interruption Loan Scheme (CBILS) is managed by the British Business Bank on behalf of, and with the financial backing of the Secretary of State for Business, Energy and industrial Strategy (BEIS).

To find out more about the fascinating work of Darwen Terracotta visit https://www.darwenterracotta.com/