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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.

All guidesBusiness Loans48Asset Finance39Invoice Financing20Bridging Loans33Development Finance28Business Credit Cards16

Business Loans

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Fred helping a UK business owner compare 150 UK Small Business Grants Available Right Now

150 UK Small Business Grants Available Right Now

There are currently over 150 UK small business grants available right now, spanning innovation, sustainability, regional development, creative industries, and more. These grants are non-repayable, meaning you keep the money without paying it back.

13 min read

Asset Finance

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Fred helping a UK business owner compare Asset Finance vs Business Loan: Which Is Better for a Large Capital Purchase

Asset Finance vs Business Loan: Which Is Better for a Large Capital Purchase?

Asset finance typically offers lower rates (3-8% per annum) and faster approval (24-48 hours) for equipment purchases, while business loans provide unrestricted capital but often cost more (6-30% APR) and take longer to process.

15 min read
Fred helping a UK business owner compare Forklift and Warehouse Equipment Finance UK: Funding Logistics Growth

Forklift and Warehouse Equipment Finance UK: Funding Logistics Growth

Forklift and warehouse equipment finance UK provides businesses with hire purchase, finance lease, and contract hire options from £1k to £5m, with decisions in 2-5 days and deposits from 0%.

18 min read
Fred helping a UK business owner compare Agricultural Asset Finance UK: Tractors - Fast Funding for Farm Equipment

Agricultural Asset Finance UK: Tractors - Fast Funding for Farm Equipment

Tractor finance in the UK ranges from £2,500 to several million pounds through hire purchase, finance lease, and contract hire options, with specialist lenders offering seasonal payment structures and approval decisions within 24-48 hours. Agricultural asset finance preserves working capital while enabling immediate equipment acquisition.

13 min read
Fred helping a UK business owner compare Asset Finance Application Checklist: What UK Lenders Ask For Before Approval

Asset Finance Application Checklist: What UK Lenders Ask For Before Approval

UK lenders require financial documentation (accounts, bank statements), asset details (type, age, supplier quotes), business information (Companies House filings, trading history), and director details for asset finance approval. Most decisions take 24-48 hours for amounts under £100k, with larger transactions requiring 5-10 days for full underwriting.

19 min read

Bridging Loans

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Fred helping a UK business owner compare Arrangement Fees: Complete Guide to Banking and Loan Setup Costs in 2026

Arrangement Fees: Complete Guide to Banking and Loan Setup Costs in 2026

Arrangement fees are upfront charges lenders impose to set up loans, mortgages, or credit facilities. These fees typically range from £500 to £5,000 for personal loans and can exceed £25,000 for large commercial facilities.

15 min read

Development Finance

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Fred helping a UK business owner compare Development Finance vs Commercial Mortgage: When Permanent Debt Makes More Sense

Development Finance vs Commercial Mortgage: When Permanent Debt Makes More Sense

Development finance is short-term funding for construction projects with higher rates (6.5-10%) and 12-24 month terms, while commercial mortgages are long-term loans for completed properties at lower rates (4-7%) over 5-25 years.

16 min read
Fred helping a UK business owner compare Mixed-Use Development Finance: Funding Retail, Residential and Commercial Schemes

Mixed-Use Development Finance: Funding Retail, Residential and Commercial Schemes

Mixed-use development finance provides funding for projects combining retail, residential, and commercial elements within a single scheme. These facilities typically offer £100k to £50m+ with staged drawdowns during construction, requiring 20-40% developer equity and exit strategies that account for multiple revenue streams from different property uses.

22 min read

Business Credit Cards

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Fred helping a UK business owner compare Can Sole Traders Get a Business Credit Card in the UK

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.

10 min read

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