®
Consumer Duty one year on UK: what it changed for consumer lenders
The FCA's Consumer Duty has reshaped how consumer-credit firms treat customers. It governs consumer credit, not our business lending — here is the distinction.
Business finance news & insights
136 articles
Restocking finance UK: getting stock in before payday
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.
How a Leeds café bridged a seasonal gap
An anonymised look at how a limited-company café in Leeds used a small, short-term loan to get through a quiet stretch before its busy season, then repaid it.
Looking beyond the company's credit history: a UK lender's approach
Looking beyond credit history UK — a past missed payment does not have to define a company. We explain why we assess how a business is trading today, not just what happened years ago.
FCA perimeter for business lending UK: what it means for limited companies borrowing
Understanding the FCA perimeter for business lending in the UK: why a limited company borrower sits outside consumer-credit regulation, and what protections do and don't apply.
VAT bill finance UK: bridging a VAT bill as a business owner
VAT bills don't fit cashflow well — they arrive in lumps every quarter (or month). When a bill lands at the wrong moment, here is what HMRC will and won't do, and where short-term finance fits.
Open Banking integration at a UK lender: faster, simpler applications
We have integrated a regulated Open Banking provider for read-only bank statement access, so decisions can be quicker. PDF statements still work.
Bank of England rate changes and UK small businesses: what they actually mean
How Bank of England base rate changes feed through into UK small business borrowing costs, which types of lending are affected immediately, and what business owners can practically do about it.
Short-term business loan vs business overdraft UK: the difference explained
The difference between a business overdraft loan and a short-term business loan — what each one is, where each one wins, and how to choose. A practical guide for UK limited companies.
New faces: our customer support team grows
We have welcomed several new colleagues to our customer support team. Here is who has joined, what they will do, and what it means for response times.
Getting help quickly: our online forms and Support Articles
A quick tour of the fastest ways to get what you need from us — our online request forms, our Support Articles and our FAQs.
The state of UK small-business lending in 2025: the SME funding gap explained
The state of UK small business lending in 2025: why mainstream banks have retreated from small tickets, what the SME funding gap means in practice, and who is filling it.
No articles on this page match your search. Press Enter to search the whole site →