®
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
Every lender says fast. The honest question is: fast from when, to what? A stage-by-stage look at where funding timelines actually go — application, verification, underwriting, documents, payout — and how to shorten each one.
A builder's cash gap looks nothing like a cafe's, and neither looks like an agency's. Mapping the shape of the squeeze by sector — with clearly labelled illustrative figures — shows why one financing tool never fits all.
Late payment is usually discussed as an annoyance. Priced properly — financing cost, chasing time, lost discounts and turned-down work — it is a line item. Here is how to put a number on it.
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.
UK SME finance review 2025: a year-end look at the themes that defined small-business lending — the funding gap, interest rates, late payment, Open Banking and AI in credit decisioning.
AI credit decisioning UK is reshaping how lenders make decisions — but guardrails matter. Here is the role of human review and UK GDPR Article 22 in our approach.
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.
Why small business loans are hard to get in the UK: thin credit files, uneconomically small ticket sizes and a lack of security push many small firms out of mainstream lending. Here is what is actually happening and where to look instead.
The Lending Standards Board is winding down, but the September 2024 Standards of Lending Practice remain authoritative. Why voluntary alignment still matters.
No articles on this page match your search. Press Enter to search the whole site →