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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Growth Guarantee Scheme: Latest Guidance for UK Business Loans (August 2026)
The Growth Guarantee Scheme (GGS) is a UK government-backed programme that helps SMEs access business loans, asset finance, and invoice finance when conventional lenders say no.
UK Commercial Real Estate: Refinancing Price War Heats Up in Q2 2026
A £33 billion wave of maturing UK commercial real estate loans is forcing lenders to compete aggressively on price in Q2 2026. Senior loan margins on prime offices have been cut by around 45 basis points over the past year, according to Bayes Business School research.
Asset Finance
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Asset Finance for Startups in the UK: Can New Businesses with No Trading History Still Qualify?
Yes, startups with no trading history can qualify for asset finance in the UK. Specialist lenders assess the asset's value, the director's personal credit history, and the strength of the business plan — not just years of filed accounts.
Refinancing Asset Finance in the UK: When and How to Switch Providers for Better Terms
Refinancing asset finance in the UK means replacing an existing equipment or vehicle finance agreement with a new one — usually to cut monthly costs, release cash, or consolidate multiple deals. It works for hire purchase, finance lease, and similar products.
Commercial Vehicle Finance vs Asset Finance: Key Differences for UK Van and Fleet Buyers
Commercial vehicle finance is a specific type of asset finance designed for vans, trucks, and fleet vehicles. The broader asset finance category also covers plant, machinery, and equipment.
Invoice Financing
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Business Credit Cards
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Does Applying for a Business Credit Card Affect Your Personal Credit Score?
Yes, applying for a business credit card can affect your personal credit score, but how much depends on the card provider, your business structure, and whether a personal guarantee is required. Most UK business card applications trigger a hard credit search on the director or sole trader, which leaves a temporary mark on your personal credit file.
Business Credit Cards Without a Personal Guarantee: Are They Available in the UK?
Yes, business credit cards without a personal guarantee are available in the UK, but they're not the default. Most high street banks still require a director to sign a personal guarantee before issuing a card.
Business Credit Cards with Bad Credit: What UK Businesses Can Realistically Expect
UK businesses with bad credit can access business credit cards, but the options are narrower, the limits lower, and the costs higher than for businesses with a clean credit history. Secured cards, fintech providers, and specialist lenders are the most realistic routes.
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