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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Start Up Loans UK: How the Government-Backed Scheme Works and Who Qualifies
Start Up Loans are unsecured personal loans backed by the UK government, delivered through the British Business Bank, for people starting or growing a business that has traded for less than five years.
UK Bank Lending to Businesses Hits 28-Year Low in Q2 2026
Bank lending to UK non-financial businesses has fallen to approximately 59% of GDP — a level not seen since 1998, making Q2 2026 a 28-year low point for business bank lending.
Invoice Financing
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Business Credit Cards
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VAT and Business Credit Card Expenses: Records, Receipts and Reclaiming VAT
You cannot reclaim VAT on business credit card expenses using a card statement alone. HMRC requires a valid VAT invoice or VAT receipt that meets specific content rules.
Are Business Credit Card Fees and Interest Tax-Deductible in the UK?
Yes, business credit card fees and interest charges are generally tax-deductible in the UK, provided the card is used wholly and exclusively for business purposes. Annual fees, transaction fees, and interest paid on business purchases can all be claimed as allowable business expenses.
Business Credit Card Minimum Payments, Late Fees and Missed Payments Explained
A minimum payment on a business credit card is the smallest amount you must pay each month to keep the account in good standing, typically a percentage of the balance or a fixed floor, whichever is higher. Miss it, and you'll face a late fee, a possible penalty interest rate, and damage to your business credit profile.
Representative APR vs Purchase Rate on a Business Credit Card: What UK Businesses Actually Need to Know
The representative APR on a business credit card is the headline annual cost figure that includes interest and any mandatory fees, shown as a single percentage. The purchase rate is just the interest rate applied to goods and services you buy on the card.
Why Was My Business Credit Card Application Declined? What to Do Next
A business credit card application gets declined because a provider found something in your business or personal credit profile, trading history, or application details that didn't meet their criteria.
Soft Search vs Hard Search for a Business Credit Card Application
A soft search is a limited credit check that does not affect your business or personal credit score and is invisible to other lenders. A hard search is a full credit check triggered when you formally apply for a business credit card, it is visible to other lenders and can temporarily lower your score.
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Start a short eligibility check and compare selected business funding options. It only takes about 2 minutes, with no hard credit check to start.