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Swiftfund blog

Business finance insights

Practical guides on business loans, cash flow, credit and growth for UK small businesses.

Map of outstanding business loans and overdrafts for UK SMEs by region, first half of 2023

21 July 2025

Best Business Loan Options for SMEs in London, Manchester, and Beyond

There are 5.5 million private businesses in Britain, but while the focus of much of the UK financial market is in the

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Bar chart of the main reasons UK businesses seek finance, led by working capital, 2022 vs 2023

14 July 2025

How to Use Business Financing to Improve Cash Flow and Stability

Adequate cash flow is essential to the smooth running of any business, but many struggle to maintain consistency in this area, for

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Illustration comparing equity financing and debt financing

7 July 2025

Debt vs. Equity Financing: What’s Better for Scaling Your Business?

Business owners have a lot of options when it comes to business financing, and there is one fundamental question they must answer

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Donut chart showing where UK businesses plan to expand internationally

30 June 2025

Can Business Capital Help You Expand Internationally?

Many businesses in the post-Brexit economy hope to expand beyond our borders, to take advantage of the many benefits international operations can

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Chart of UK businesses' turnover expectations for the next 12 months, with 34% expecting to grow

23 June 2025

Smart Ways to Invest Your Business Loan for Maximum Growth

Businesses rarely grow without a dedicated effort to make them do so; growth takes planning, time and money, and external business financing

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Bar chart of the reasons SMEs look for financing

16 June 2025

How to Use a Business Loan to Scale Your Company Faster

More than a quarter of all business borrowing in the UK is for the purpose of company growth; but simply accessing business

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Bar chart of UK SME awareness of alternative forms of external finance, 2020 to 2023

9 June 2025

Crowdfunding, Angel Investors or Business Loans: Which One Should You Choose?

If your business needs an injection of cash, there’s a huge range of possibilities. Business loans are still the most common form

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Funded by UK Government logo

2 June 2025

Government Grants and Business Loans in the UK: What’s Available?

The UK government is keen to support British businesses, especially small and new businesses, and when paired with the wide range of

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Business credit score gauges showing high, medium and low risk ranges

26 May 2025

How to Get a Business Loan with Bad Credit in the UK

Bad credit can make life difficult for business owners, especially when it comes to securing business financing. Fortunately, there are ways to

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Nearly two in five (39%) SMEs used external finance in 2023, borrowing more than £25,000 on average

19 May 2025

How Much Can You Borrow? Business Financing Eligibility Explained

If your business needs an injection of cash, you’re probably considering a business loan of some kind. But knowing how much you

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Infographic of the business credit score cycle and the factors that affect it

10 May 2025

How to Improve Your Business Credit Score to Secure Better Loans

A good credit score is essential if you want to secure the most competitive business loan interest rate. But it’s not something

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Line chart of UK business loan interest rates over time

10 May 2025

Understanding Interest Rates: How Much Will a Business Loan Cost You?

Businesses need to understand all of their different expenses, and the costs associated with loans are no different. It’s vital you fully

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Bar chart of business finance approval rates by business size, from 57% to 98%

10 May 2025

How to Get a Business Loan in the UK: A Step-by-Step Guide

You don’t need to be a paperwork whiz to get a business loan in the UK; all you need is to comprehend

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Area chart of the total value of UK business lending by year, 2012 to 2024

21 April 2025

The Ultimate Guide to Business Loans in the UK: Everything You Need to Know

Business owners can quickly find themselves overwhelmed by information as they begin their borrowing journey, making it hard to know what’s really

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Shopping arcade decorated for the festive season

3 January 2020

7 Ways for Businesses to Beat the Holiday Rush

Every year, the Christmas rush begins earlier than before. It’s almost like the festive lights and decorations go up the day after

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Close-up of printed financial market figures

22 November 2019

Preventing Poor Cash Flow in the Current Economic Climate

Small business owners face more challenges that larger corporations during a bad economic climate. In fact, the unpredictability can be worrying and

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Wind turbines silhouetted against a sunset

17 November 2019

Become an Eco-Friendly and Sustainable Small Business

Become an Eco-Friendly and Sustainable Small Business Over the last few years, everybody has been trying to understand how their actions impact

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