Business Finance Guides
Plain-English guides to UK business loans, asset finance, invoice financing, and business credit cards. Compare lenders, check what you'll qualify for, and walk into a funding decision already knowing the answers.
Business Loans
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Business Loan Declined: What to Do Next
When your business loan gets declined, request the specific rejection reasons from the lender, review your credit reports for errors, and consider alternative funding sources like online lenders or merchant cash advances.
Business Loan for Startups: The Complete UK Guide for 2026
A business loan for startups is a form of finance that gives new businesses a lump sum of capital, repaid over an agreed term with interest. In 2026, UK startups have more options than ever, from traditional bank loans to unsecured loans and merchant cash advances, many of which don't require years of trading history or a perfect credit score.
Can a New Company Get a Business Loan? Your Complete Guide to Startup Funding in 2026
Yes, new companies can get business loans, but approval depends on your personal credit score, business plan strength, and collateral availability. Most traditional banks require 18-24 months of trading history, while alternative lenders like Funding Fred offer Unsecured Loans to startups with flexible criteria and Fast Decision processes.
Cash Flow Business Loans: Fast UK Funding for Working Capital Gaps
Cash flow business loans are unsecured funding solutions designed to bridge temporary gaps in your working capital, typically ranging from £40,000 to £120,000 for UK SMEs.
Asset Finance
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Catering Equipment Finance UK: Ovens, Refrigeration, Coffee Machines and Fit-Outs
Catering equipment finance UK covers ovens, refrigeration, coffee machines and fit-outs through hire purchase, finance lease, and operating lease options from £1,000 to £5 million. Most lenders provide decisions within 24-48 hours, with deposits from 0% available and repayment terms from 2-7 years depending on equipment type and business needs.
CNC Machine Finance UK: Hire Purchase, Leasing and Loans
UK manufacturers can fund new or used CNC machinery through hire purchase, finance leases, equipment loans or other asset-finance structures. The quote depends on the machine, supplier, deposit, term, business finances and credit profile.
Bridging Loans
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Commercial Property Bridging Loans for UK Business Owners: Fast Funding Solutions
Commercial property bridging loans for UK business owners provide short-term funding from £25,000 to £60 million, typically for 1-24 months, with interest rates starting from 0.75% per month. These loans enable rapid property acquisitions, refinancing, and development projects when traditional bank lending moves too slowly for time-sensitive opportunities.
Development Exit Bridging Loans: Repaying Development Finance While Units Sell
Development exit bridging loans replace expensive development finance after construction completes, offering lower monthly rates (typically 0.55-0.75%) while units sell. These 6-18 month facilities can reduce interest costs by thousands per month compared to keeping development funding in place.
Development Finance
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