Topic: Business lending explained

Repaying early saves interest with no penalty. Here is what no early repayment fee means and how an interest rebate works.

The Key Information Sheet summarises your loan in plain English. Here is a section-by-section guide to what to check before you sign.

A short-term loan is one option among several. Here is a neutral overview of overdrafts, cards, invoice finance and grants.

A short-term loan is the wrong tool for some problems. Here is an honest guide to when you should not borrow, and what to consider first.

Bridging loans, term loans and credit facilities solve different problems. Here is how each works and where our products fit.

Our lending is for business purposes only. Here is what the business-purpose test means, with examples, and the declaration you sign.

APR can overstate the cost of very short-term borrowing. Here is why we show the total cost of credit and a simple annualised rate instead.

The FOS resolves complaints; the FSCS compensates when firms fail. Here is why lending to a company usually falls outside both.

Some business loans fall under FCA consumer-credit rules; many do not. Here is the Article 60B line and what protections apply.

A business credit score rates how risky it is to lend to your company. Here is what feeds it and practical steps to improve it.