Category: Industry Insights

Three short-term business-finance tools that all promise to smooth cashflow — but each is built for a different shape of need. A practical comparison of where each one fits.

A year-end look back at the themes that defined UK small-business finance in 2025: the funding gap, rates, late payment, Open Banking and AI.

AI promises faster, more consistent lending decisions — but needs guardrails. Here is the role of human review and UK GDPR Article 22.

Micro-businesses make up the vast majority of UK firms. Here is why they matter, and how sole traders and limited companies differ for finance.

Late payment is a chronic drag on UK small firms. Here is how it harms micro-companies, what the Prompt Payment Code does, and where finance fits.

Open Banking has changed how lenders assess businesses — faster, fairer, and based on real transactions. Here is how it works and why it matters.

Profitable businesses fail every year because of cash-flow gaps, not losses. Here is why timing matters more than profit, and where short-term finance fits.

Thin files, no security and uneconomically small tickets push small firms out of mainstream lending. Here is what is going on, and who lends instead.

The Lending Standards Board is winding down, but the September 2024 Standards of Lending Practice remain authoritative. Why voluntary alignment still matters.

A County Court Judgment against the company is one of the most consequential markers on a business credit file. This article explains what triggers a CCJ, what it actually means, and what you can do about one — whether you owe the debt or not.