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

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

There are 5.5 million private businesses in Britain, but while the focus of much of the UK financial market is in the capital, there are plenty of opportunities for those based in other metropolitan centres – including those seeking business financing. Here are the best business loan options up and down the country as of […]

How to Use Business Financing to Improve Cash Flow and Stability

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

Adequate cash flow is essential to the smooth running of any business, but many struggle to maintain consistency in this area, for a variety of reasons. Fortunately, financial products exist that can help; but how can you best put them to use? Let’s take a look: Why is Cash Flow So Important? Cash flow – […]

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

Illustration comparing equity financing and debt financing

Business owners have a lot of options when it comes to business financing, and there is one fundamental question they must answer before they can pursue any option: which is better for their business, debt or equity financing? These are two very different options, especially when it comes to scaling an existing business; so let’s […]

Can Business Capital Help You Expand Internationally?

Donut chart showing where UK businesses plan to 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 offer. And while this is not as simple as it used to be, it can still be a viable and profitable route to growth – if you have the capital to back it […]

Smart Ways to Invest Your Business Loan for Maximum Growth

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

Businesses rarely grow without a dedicated effort to make them do so; growth takes planning, time and money, and external business financing is a very common tool in this endeavour. There are a few different ways to use this tool though, and not all are created equal. Here’s what you need to know:  Start with […]

How to Use a Business Loan to Scale Your Company Faster

Bar chart of the reasons SMEs look for financing

More than a quarter of all business borrowing in the UK is for the purpose of company growth; but simply accessing business financing does not in itself guarantee quick growth or success. You have to know how to use your business loan to most efficiently scale. There are ten key areas to focus on: Technology […]

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

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

If your business needs an injection of cash, there’s a huge range of possibilities. Business loans are still the most common form of financing in the UK for established enterprises, but crowdfunding and angel investors are increasingly viable options, for both new and existing businesses. But how can you know which route is right for […]

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

Funded by UK Government logo

The UK government is keen to support British businesses, especially small and new businesses, and when paired with the wide range of private lenders they create a vibrant and accessible funding landscape. Here are the main programs currently running in the UK, that may benefit your business: Start Up Loan Government-backed loans for £500 to […]

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

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

Bad credit can make life difficult for business owners, especially when it comes to securing business financing. Fortunately, there are ways to access business loans even with a poor credit history, or no credit history at all. You just need to know your options: Get a Bad Credit Business Loan A bad credit business loan […]

How Much Can You Borrow? Business Financing Eligibility Explained

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

If your business needs an injection of cash, you’re probably considering a business loan of some kind. But knowing how much you can borrow – and from where – is not necessarily straightforward. Here’s everything you need to know about business financing eligibility: Factors Affecting Business Borrowing The UK is home to dozens of different […]