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 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.
Business Loan for Self-Employed UK: 2026 Complete Guide
Self-employed people in the UK can access business loans in 2026, but the process differs from standard applications. Lenders assess income using SA302 forms, bank statements, or Open Banking data rather than payslips.
Business Loans for Stock and Inventory: Fast Funding for UK Retailers
Business loans for stock and inventory provide £10k to £1m funding specifically for purchasing, maintaining, or expanding product inventory. Unlike traditional bank loans that focus on credit history, these loans assess current trading performance and use inventory as security, with approval decisions in 24-48 hours rather than weeks.
Business Loans for VAT or Tax Bills: Fast UK Funding Solutions
HMRC doesn't negotiate payment deadlines, but your bank account shouldn't suffer for it. Business loans for VAT or tax bills provide immediate funding to meet HMRC demands while preserving your working capital for day-to-day operations.
Business Overdraft vs Line of Credit vs Loan: Which Funding Option Fits Your Business?
Business overdrafts provide immediate short-term cash when your account runs low, lines of credit offer flexible revolving funds up to a set limit, and traditional loans deliver lump sums for specific projects.
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.
Electric Van Loan Scheme for UK Businesses: What You Need to Know
The Energy Saving Trust runs an interest-free electric van loan scheme for UK businesses in England, helping companies buy electric vans for commercial use with no fixed application deadline. Separately, the government's Zero Emission Van Grant cuts up to £5,000 off the purchase price at the dealership.
Emergency Business Loans UK: Fast Funding When You Need It Most
When your business faces an unexpected cash flow crisis, equipment breakdown, or urgent opportunity, emergency business loans UK can provide funding within 24-48 hours.
FCA Reviewing Small Business Loan Rules in Q2 2026: What Every UK Small Business Owner Needs to Know
The FCA is reviewing small business loan rules in Q2 2026 as part of a formal call for input launched in March 2026. The review covers how existing regulations affect SME access to debt, equity, and alternative finance — and could lead to rule changes that reshape how small businesses borrow.
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