Unsecured business loans and personal guarantees
Unsecured borrowing does not usually require a charge over a named business asset. It does not necessarily mean the owner has no personal exposure,…
Business finance guides
Practical reading to help you compare funding, understand costs and prepare your next step.
Small-business borrowing: compare options by need
Small businesses can explore several forms of finance. The most useful starting point is the purpose, timing and repayment source, not simply searching for…
Equipment finance: assess the whole investment
Equipment finance spreads the cost of business assets, but the instalment is only one part of the decision. Installation, training and maintenance can be…
Business vehicle finance: choosing the right arrangement
Cars, vans and trucks can create different finance requirements. Compare agreements against the vehicle’s business use, expected life and end-of-term plans.
Van finance: compare ownership, use and mileage
A business van can be bought with cash, financed towards ownership or used under a rental arrangement. The best comparison starts with how the…
Funding a nail or beauty business
Beauty businesses may need finance for fit-out, equipment or additional working capital. The funding structure should reflect whether the business sells appointments for immediate…
Invoice finance for transport operators
Transport operators often pay fuel and drivers before commercial customers settle invoices. An invoice facility may help release cash from eligible completed jobs, provided…
Which businesses are suited to invoice finance?
Invoice finance is most relevant where a business supplies other organisations on credit terms and can evidence payment owed for completed work. Industry labels…
Estimating how much invoice finance could release
The amount a business can draw is usually based on eligible invoices, not the entire sales-ledger balance. A useful estimate allows for exclusions, reserves…
VAT funding: compare borrowing with payment arrangements
A VAT bill can create a sharp cash requirement, particularly when customers have not paid. Borrowing may spread the cash cost, but it does…