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Our view on small-business finance in the UK — how short-term lending compares with overdrafts, invoice finance and credit facilities, and what business owners should weigh up before borrowing. The aim is to help you make a more informed choice, including the choice not to borrow at all.
20 articles
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.
When a lender pulls your business credit file, what they're really seeing isn't one report — it's three. Here's a plain-English guide to who the UK business CRAs are, what they each know about you, and how to fix what's wrong.
Business borrowers have no Financial Ombudsman. The BBRS tried to fill that gap but had real limits — here is the honest picture, and why we say so.
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.
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.
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.
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.
Understanding APR on a UK short-term business loan: why the annualised rate looks alarming, what it actually measures, and which figures tell you the real cost.
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