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Practical help for current and prospective customers: how applications work, what happens after you sign, how to read your Key Information Sheet, and where to find free, independent debt advice if money is tight. If you are struggling to pay, tell us early — we would rather work something out with you than not.
26 articles
Direct Debit is the simplest way to manage your business loan repayments. We answer the questions customers ask most often — how to set one up, what happens if it fails, and how the Direct Debit Guarantee protects you.
A short note on what we will and will not ask for when we speak to you. Knowing the difference is one of the simplest protections against impersonation fraud.
If something has gone wrong, we want to know. We explain how to raise a complaint and what happens at each stage.
A short reference of the technical and regulatory terms that crop up in our documents, with the plain-English meaning of each.
A paid advertising campaign costs money up front and returns money over the weeks that follow. When the cashflow gap is the difference between running a profitable campaign and not running it, short-term finance fills the gap.
Your Business Loan Agreement is the single most important document for your loan. A plain-English guide to what it contains and why it matters.
A page-by-page guide to the KIS document — what to look for, what each number means, and what to ask if anything looks off.
The boiler fails on a Tuesday. A pipe bursts in the kitchen. The delivery van blows a head gasket. Emergency repairs don't wait for ideal cashflow — and short-term finance is often the difference between trading and stopping.
There comes a point with any piece of business equipment where the next repair costs more than the residual value. Knowing when to stop fixing and start financing a replacement is the small-business call this article is about.
If you think you may miss a payment, the most important thing you can do is tell us before it happens. Here is what help is available.
UK supplier deposit finance helps businesses place orders without tying up working capital. When a supplier discount or supply-chain risk outweighs the finance cost, financing the deposit makes commercial sense.
Retail and stock-led businesses live on a payday-and-restock cycle. When the restock falls before payday, short-term finance is the difference between a busy week and a missed week.
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