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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What Is a Debenture? How Lenders Secure Business Loans With Fixed and Floating Charges
A debenture is a legal document a limited company signs to give a lender security over its assets when it borrows money. It usually combines a fixed charge over specific assets (like property or equipment) with a floating charge over everything else the business owns, such as stock and cash.
Short-Term Business Loans UK: Terms, Costs and When They Fit
Short term business loans in the UK typically run for 3 to 18 months, with amounts from around £1,000 up to £1 million, priced either as a fixed interest rate or a flat fee rather than a conventional APR. They suit a defined, short cash-flow gap, stock, VAT, a time-limited opportunity, not a purchase that needs years to pay for itself.
Business Debt Consolidation Loans: Fast Solutions for UK SMEs
Business debt consolidation loans combine multiple business debts into a single monthly payment, typically at a lower interest rate than your existing obligations. UK SMEs can access £10k to £1m through specialist lenders who focus on current trading performance rather than perfect credit history, with decisions often available within 48 hours.
Business Loan Declined: What to Do Next
When your business loan gets declined, request the specific rejection reasons from the lender, review your credit reports for errors, and consider alternative funding sources like online lenders or merchant cash advances.
Business Loan for Startups: The Complete UK Guide for 2026
A business loan for startups is a form of finance that gives new businesses a lump sum of capital, repaid over an agreed term with interest. In 2026, UK startups have more options than ever, from traditional bank loans to unsecured loans and merchant cash advances, many of which don't require years of trading history or a perfect credit score.
Business Loan Interest Rates UK: What Lenders Charge and What Moves Your Rate
Business loan interest rates UK-wide sit above the Bank of England's base rate, which has been held at 3.75% since September 2026. The OECD's latest country note puts the weighted average rate on all new UK SME loans at 7.51% for Q1 2026, though your actual quote depends on credit profile, security, loan term and lender type.
Business Loans for Expansion: Fast Funding for Growing UK Businesses
Business loans for expansion provide UK companies with £10k to £1m funding to fuel growth, from opening new locations to increasing inventory or hiring staff. Unlike traditional banks that take weeks and demand perfect credit, modern lenders use Open Banking to assess current trading performance and can approve funding within 24-48 hours.
Business Credit Cards
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Paying Suppliers by Business Credit Card: Benefits, Fees and Limits
Paying suppliers by business credit card gives UK businesses up to 56 days interest-free before a payment is due, earns rewards on spend, and keeps cash in the business longer. The main costs to watch are supplier surcharges (where still permitted), foreign transaction fees, and the card's APR if balances carry over.
How to Use a Business Credit Card for Cash Flow Without Building Persistent Debt
A business credit card covers short-term timing gaps between money going out and money coming in. Used with a clear repayment plan and spend controls, it costs nothing in interest and keeps your working capital intact.
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