How we verify it is really you on the phone
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.
Newsroom
25 articles
How we handle complaints
If something has gone wrong, we want to know. We explain how to raise a complaint and what happens at each stage.
Glossary — UK business-lending terms in plain English
A short reference of the technical and regulatory terms that crop up in our documents, with the plain-English meaning of each.
Marketing campaign financing — when paid ads need cashflow help
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.
Understanding your Business Loan Agreement
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.
How to read a Key Information Sheet (KIS) in 60 seconds
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.
Emergency repair finance for small businesses
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.
Equipment replacement finance — when fixing it isn't enough
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.
Worried about money? Please talk to us early
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.
Supplier deposit finance — why early payment beats waiting
A 5-10% supplier deposit on a £20,000 order is a £1,000-£2,000 cashflow ask. When the alternative is paying the full £20,000 in 60 days, short-term deposit finance often costs less than waiting.
Restocking finance — 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.
Bridging a VAT bill — what business owners need to know
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.