Commercial finance guides, product explainers, and practical notes for UK business owners exploring funding options.
Featured article
More work does not always mean more available cash. See how materials, labour, staged payments and retentions can put growing construction businesses under pressure.
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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