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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Seasonal Repayments in Asset Finance: Matching Equipment Payments to Revenue Cycles
Seasonal repayments in asset finance allow businesses to adjust equipment loan payments based on their revenue patterns, with higher payments during peak trading periods and reduced payments during quieter months.
Soft Asset Finance UK: Funding IT, Software, Telecoms and Office Equipment
Over 50,000 UK SMEs have already used specialist asset finance to acquire IT equipment, telecoms infrastructure, and office systems without the full upfront cost.
VAT and Asset Finance: What UK SMEs Need to Know Before Funding Equipment
VAT on asset finance depends on your agreement type: Hire Purchase typically requires upfront VAT payment (though deferrals are available), while Finance Lease spreads VAT across monthly payments. VAT-registered businesses can usually reclaim VAT on financed equipment, but timing and cash flow impact varies significantly between finance structures.
Manufacturing Automation Finance UK: Funding Robotics for Modern Factories
UK manufacturers are securing £103 million funding rounds for robotics while government schemes offer up to £7.5 million per project. Manufacturing automation finance in the UK combines traditional asset finance with specialist grants, allowing businesses to deploy industrial robots from £1,000 to £5 million without full upfront costs.
HGV and Truck Finance UK: How Hauliers Fund Vehicles Without Draining Cash Flow
HGV and truck finance UK allows hauliers to acquire commercial vehicles through hire purchase, finance lease, or operating lease arrangements without paying the full purchase price upfront. Most UK lenders offer flexible deposits from 0-20% of the vehicle value, with repayment terms from 2-7 years that match cash flow to vehicle earnings.
Asset Finance for Limited Companies vs Sole Traders: What Changes?
Limited companies typically access better asset finance rates and terms than sole traders due to stronger credit profiles and tax advantages, but sole traders can still secure competitive deals. The main changes include personal guarantees for sole traders, different documentation requirements, and varying tax benefits.
Bridging Loans
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Development Finance
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Small Builder Development Finance: Funding 1-10 Unit Residential Schemes
Small builder development finance provides flexible funding from £100k to £50m+ for residential schemes with 1-10 units, covering 70-85% of project costs including land acquisition and construction. Interest rates typically range from 10-15% annually, with interest-only payments during the build phase and loan terms of 12-24 months.
LTV and GDV Explained: The Numbers Development Lenders Care About
LTV (Loan-to-Value) measures how much you can borrow against your security, while GDV (Gross Development Value) represents your project's completed worth. Development lenders use these ratios to assess risk and determine funding limits — typically offering 65-75% LTV on existing property value and 70-80% of total development costs against projected GDV.
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