Commercial finance guides, product explainers, and practical notes for UK business owners exploring funding options.
Featured article
More placements can mean a larger payroll bill before client payments arrive. Learn how recruitment agencies can understand and manage the resulting cash-flow gap.
Cash flow
Payroll finance is typically built around the recruitment pay cycle. Invoice finance is typically built around the debtor book. The two often overlap.
Cash flow
Invoice factoring and invoice discounting both release cash from unpaid invoices. The main difference is typically who manages collections and the sales ledger.
Guides
A practical guide to VAT finance, including how VAT loans work, possible alternatives, application information and the questions to ask before borrowing.
Guides
A practical guide to financing commercial property in the UK, from choosing a funding route and preparing a deposit to valuation, legal work and completion.
Guides
Explore the main ways UK businesses may finance new or used CNC machinery, including hire purchase, leasing and asset refinance.
Guides
Learn how finance may work for converted vans and other specialist commercial vehicles, including mobile workshops and refrigerated vehicles.
Cash flow
More placements can mean a larger payroll bill before client payments arrive. Learn how recruitment agencies can understand and manage the resulting cash-flow gap.
Cash flow
More work does not always mean more available cash. See how materials, labour, staged payments and retentions can put growing construction businesses under pressure.
Guides
From materials and equipment to vehicles, payroll and contract cash flow, explore the finance options available to UK builders and construction businesses.
Guides
A declined application does not always mean your business is unfinanceable. Here is how to understand the decision and decide what to do next.
Guides
From choosing the right finance to preparing your documents and reviewing an offer, here is how the UK business loan process works.
Guides
The amount your business can borrow depends on more than turnover. Here is how lenders assess cash flow, profitability, existing debt and affordability.
Guides
Yes — some UK businesses can access finance within year one, but options depend on trading evidence, purpose and security. Here is what lenders typically look for.
Guides
A personal guarantee is a promise to repay business borrowing if the company cannot. Here is when lenders request one and what your options are.
Guides
Should you use a broker or go direct to a lender? An honest comparison of market access, costs, speed and support for UK business owners.
Guides
A practical overview of the information lenders and brokers typically request when assessing a business loan application.
Products
Asset finance can help spread the cost of equipment and vehicles. Here is what business owners should know before exploring options.
Cash flow
When customer payment terms stretch cash flow, invoice finance may be worth exploring. This guide outlines the basics.
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