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.
Asset Finance
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Asset Finance for Care Homes and Nurseries: Funding Specialist Equipment and Refurbishments
Care homes and nurseries face a £2.4 billion annual equipment replacement cycle, yet 67% struggle with upfront capital costs for essential upgrades. Asset finance for care homes and nurseries: funding specialist equipment and refurbishments offers a solution that spreads costs over 2-7 years while preserving working capital for daily operations.
Asset Finance for Franchises: Funding Fit-Outs, Vehicles and Required Equipment
Franchise equipment loans typically range from £10,000 to £5 million, with rates from 5% to 25% APR depending on credit profile and asset type. Asset finance lets franchisees spread the cost of vehicles, plant, machinery and fit-outs over the asset's useful life, preserving working capital for operations and growth.
Asset Finance for Retail Fit-Outs: Funding EPOS, Displays, Refrigeration and Fixtures
Retail equipment failures happen at the worst times, broken tills during peak season, failed refrigeration before a product launch, or outdated displays when a competitor opens nearby. Asset finance for retail fit-outs: funding EPOS, displays, refrigeration and fixtures solves these urgent problems without draining cash reserves.
Asset Finance Rates UK: What Affects Pricing on Equipment and Machinery Funding?
Asset finance rates in the UK currently range from 7.9% APR for prime borrowers to 18% APR for businesses with adverse credit. Rates depend on your credit profile, asset type, loan term, deposit amount, and the Bank of England base rate (currently 4.50%).
Beauty Salon and Clinic Equipment Finance UK: Lasers, Chairs and Treatment Rooms
The UK beauty and wellness sector has accessed over £4 million in equipment finance through new embedded lending platforms alone, with specialist lenders now offering flexible solutions from £1,000 to £2 million for everything from laser systems to treatment room fitouts.
Bridging Loans
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Development Finance
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Business Credit Cards
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Can Sole Traders Get a Business Credit Card in the UK?
Yes, sole traders can get a business credit card in the UK. Most major high street banks, including Barclaycard, Lloyds, HSBC, NatWest and Santander, accept sole trader applications.
Business Credit Cards UK: How They Work, Costs and How to Compare
A business credit card gives a UK company a revolving credit line to pay suppliers, manage cash flow, and issue cards to staff, with limits typically ranging from £1,000 to £250,000 or more depending on the provider and your business profile. Costs include annual fees, purchase APR, and cash advance charges that vary significantly by card.
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