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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.

All guidesBusiness Loans57Asset Finance42Invoice Financing22Bridging Loans29Development Finance27Business Credit Cards33

Business Loans

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Fred helping a UK business owner compare 150 UK Small Business Grants Available Right Now

150 UK Small Business Grants Available Right Now

There are currently over 150 UK small business grants available right now, spanning innovation, sustainability, regional development, creative industries, and more. These grants are non-repayable, meaning you keep the money without paying it back.

13 min read
Fred helping a UK business owner compare Business Loan Repayment Examples: Real Payment Scenarios for UK SMEs

Business Loan Repayment Examples: Real Payment Scenarios for UK SMEs

Business loan repayments typically range from £200 to £5,000 monthly for loans between £10k-£1m, depending on loan amount, term length, and interest rates. Most UK SMEs pay 6-25% annually with terms from 6 months to 7 years, with unsecured loans averaging 12-18% and merchant cash advances offering daily repayments based on card sales.

14 min read
UK business owner comparing soft-search and revenue-based business finance

Business Loans With No Credit Check: What UK Borrowers Should Know

A genuine UK business loan with no credit assessment at any stage is unusual. Some lenders and brokers can begin with a soft-search eligibility check, while revenue-based finance, merchant cash advances and invoice finance may place more weight on trading data than on a credit score.

10 min read
Fred helping a UK business owner compare Do 90% of Small Businesses Fail? The Truth Behind UK Business Survival

Why Do Small Businesses Fail? UK Survival Rates (ONS Data)

The often-quoted 90% failure rate doesn't match UK data: ONS figures show 38.4% of businesses born in 2019 were still active five years later, so roughly six in ten closed within five years. Most small businesses fail due to cash flow problems, lack of market demand, insufficient capital, and poor financial planning.

12 min read
Fred helping a UK business owner compare Unsecured Business Loans: Fast Funding Without Personal Assets at Risk

Unsecured Business Loans: Fast Funding Without Putting Up Collateral

Unsecured business loans provide funding from £10,000 to £500,000 without requiring collateral like property or equipment. UK lenders assess your business cash flow, credit history, and trading record rather than taking a charge over specific assets, although most will ask a director for a personal guarantee.

14 min read
Fred helping a UK business owner compare Bad Credit Business Loans UK: What Lenders Check and Realistic Options

Bad Credit Business Loans UK: What Lenders Check and Realistic Options

Yes, you can get a business loan with bad credit in the UK, but your options narrow and the terms usually cost more. Lenders look at the company's credit file, the director's personal credit history, current trading performance, and cash flow, not credit score alone.

12 min read

Asset Finance

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Fred helping a UK business owner compare Operating Lease vs Finance Lease: Ownership, Accounting and Tax

Operating Lease vs Finance Lease: Ownership, Accounting and Tax

An operating lease vs finance lease comparison comes down to three things: who owns the asset, who carries the risk if its value drops, and how the deal shows up in your accounts.

14 min read

Invoice Financing

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Fred helping a UK business owner compare Bad Debts and Invoice Financing: What Happens If Your Customer Doesn't Pay in the UK

Bad Debts and Invoice Financing: What Happens If Your Customer Doesn't Pay in the UK?

When a customer doesn't pay under an invoice finance arrangement in the UK, what happens next depends entirely on the type of facility you have. With recourse invoice factoring, the unpaid debt returns to you.

15 min read

Bridging Loans

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Fred helping a UK business owner compare Bridging Loans for Broken Property Chains: Buying Before You Sell

Bridging Loans for Broken Property Chains: Buying Before You Sell

Bridging loans for broken property chains allow you to purchase a new property before selling your current one, providing short-term finance typically lasting 3-12 months. These loans cost around 0.55%-0.95% per month and let you borrow 60-75% of your new property's value, with approval possible within days rather than weeks.

14 min read

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Business Finance Guides | Funding Fred | Page 12