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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How Does Asset Finance Work? Complete UK Business Guide
Asset finance helps a business obtain or use vehicles, machinery and equipment while spreading the cost. Under hire purchase, the business normally acquires ownership after completing the agreement and any purchase condition.
Asset Finance Eligibility UK: What Lenders Check
Asset-finance providers assess whether the business can afford the agreement and whether the equipment and supplier are acceptable. They may review trading history, accounts, bank statements, credit records, existing debt, owner experience, deposit, asset value and resale prospects.
Types of Asset Finance UK: Hire Purchase and Leasing Compared
The main UK asset-finance types are hire purchase, finance lease, operating lease, contract hire and asset refinance. Hire purchase is structured around eventual ownership.
Business Credit Cards
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Business Credit Cards for Limited Companies and LLPs: A UK Guide
Limited companies and LLPs can apply for dedicated business credit cards that sit in the company's name, keep business and personal finances separate, and often carry limits well above what a personal card offers. Approval speed, credit limit size, and spend controls matter more to most UK businesses than the headline APR.
How to Apply for a Business Credit Card in the UK: Documents and Timeline
To apply for a business credit card in the UK, you'll need proof of business identity, director or owner details, Companies House registration (for limited companies), and recent financial information. Most providers give a decision within 24 to 72 hours online, though some specialist cards take longer.
How to Compare Business Credit Cards: APR, Fees, Limits and Rewards
To compare business credit cards effectively, look beyond the headline APR. For most UK businesses, the credit limit, approval speed, fee structure, and spend controls matter more than a fraction of a percentage point on interest.
Business Credit Cards for New Businesses: What UK Startups Need to Know
Business credit cards for new businesses give UK startups a revolving credit line to cover day-to-day spending, supplier payments, and team expenses, separate from personal finances. Approval criteria, credit limits, and costs vary significantly by provider, but some cards are specifically built for businesses with limited trading history.
Business Credit Card Eligibility UK: Requirements and Checks Explained
To qualify for a business credit card in the UK, you typically need to be a registered UK business or self-employed individual, have a UK business bank account, and pass a credit assessment that looks at both your business and personal credit history.
Best Business Credit Cards UK 2026: What to Compare Before You Apply
The best business credit cards for UK companies in 2026 depend on four things: the credit limit you actually need, how fast you can get approved, whether you want cashback or travel rewards, and how much control you need over employee spend.
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