Loan logic

27/08/2026

A business loan and a revolving credit facility can both give a business access to funding, but they solve different problems.

A business loan usually gives you a lump sum upfront, repaid over an agreed term.

That can work well for things like:

• Equipment
• Refurbishment
• Expansion
• Recruitment
• A specific one-off investment

A revolving credit facility gives you access to a credit limit you can draw on as needed.

As you repay it, that available balance can often be used again.

That can make it useful for:

• Cash flow gaps
• Seasonal trading
• Stock purchases
• Unexpected costs
• General working capital

Neither is automatically better.

It comes down to what the business actually needs the money for.

A one-off investment and an ongoing working capital need should not always be funded in the same way.

The takeaway: before applying for finance, get clear on the purpose of the funding. The right solution starts there.

25/08/2026

If you've ever applied for business finance, you may have been asked for management accounts.

But what actually are they?

Management accounts are up-to-date financial reports that show how your business is performing since your last filed accounts.

They often include:

• Profit and loss
• Balance sheet
• Current turnover
• Costs and overheads
• Profitability

So why do lenders ask for them?

Because filed accounts can be 12 to 18 months out of date.

If your business has grown, improved profitability, or changed significantly since then, management accounts help show what is happening now, not what was happening last year.

They can help a lender understand the current picture and make a more informed decision.

The takeaway: If you think you may need finance in the next 6 to 12 months, keeping your numbers up to date can make the process much smoother.

18/08/2026

Running a hospitality business is tough enough without funding becoming another headache.

Whether you’re looking to manage seasonal cash flow, refurbish your venue, buy new equipment or fund your next stage of growth, there are several finance options available.

We’ve put together a guide to hospitality business finance in Dorset, including what lenders typically look for and the different ways funding can be structured.

Link in the comments

27/07/2026

New on the blog.

Business finance in Bournemouth, explained properly. What unsecured loans, asset finance, invoice finance and revenue-based finance are actually for, who each one suits, and what lenders ask for before they will consider an application.

Written for limited companies already trading, not start-ups.

Link in the first comment.

14/07/2026

Professional services businesses do not need to own property, machinery or other substantial assets to access business funding.

Unsecured business loans from £5,000 to £500,000 may be available based on factors including:

• Trading history and turnover
• Profitability and cash flow
• Existing financial commitments
• The purpose of the funding
• The directors’ credit profiles

No specific property or business asset is used as security, although most lenders will require a personal guarantee.

Funding can be used for recruitment, marketing, technology, expansion or managing short-term cash flow.

The important part is finding a lender whose criteria fit your business and the reason for borrowing.

That is where LoanLogic can help.

loanlogic.co.uk | 07738463848 | [email protected]

08/06/2026

Most finance applications fail before a lender even picks up the phone.

Not because the business is struggling. Because the paperwork is not ready.

I have put together a straight-talking guide on exactly what UK lenders want to see and how to get your application into the best possible shape before you apply.

Link in the comments.

Ben

LoanLogic - Expert business finance broker serving South West England & Dorset. Unsecured business loans, merchant cash advances & asset finance from £1K to £10M for professional services, hospitality & growing businesses in Bournemouth, Devon, Cornwall, Somerset & Bristol.

18/02/2026

See you at PerformX Live! 🏋️

NEC Birmingham, Feb 25-26

As a gym owner myself (StrongCo Bournemouth), I understand the fitness industry inside out. Through LoanLogic, I help gym owners fund their growth without the "too risky" rejections from banks.

At the event? Let's connect 🤝

16/02/2026

Banks are great at vanilla deals. But what about businesses that don't fit the mold?

Specialist lenders understand newer companies, seasonal businesses, and sectors that the banks won't touch.

Future potential > past performance
Industry knowledge > generic assessments
Days > weeks

Need funding, but your bank said no? Let's talk. 💼

13/02/2026

Hospitality businesses face a unique funding challenge.

You need capital NOW. For seasonal stock, refurbishment between services, or emergency equipment replacement.

But traditional bank processes take 8-12 weeks. By then, you've lost the opportunity.

We work with specialist lenders who understand hospitality timelines:

48-hour decisions on working capital
Equipment finance for kitchen upgrades
Bridging loans for property opportunities
Invoice finance for contract caterers
Seasonal lending for stock build-up

Whether you run a café in Bournemouth, a restaurant in Bristol, or a hotel in Bath - we connect you to funding that moves at the speed your business operates.

From £10k to £500k. No fees to you.

Whether you run a café in Bournemouth, a restaurant in Bristol, or a hotel in Bath, we connect you to funding that moves at the speed your business operates.

DM us or visit loanlogic.co.uk

11/02/2026

Opening a gym or studio? Expanding your health club? Upgrading equipment?

Here's what most fitness business owners don't know about funding:

Traditional banks rarely understand the membership-based revenue model. They see retention rates and think "risk." We see recurring revenue and long-term stability.

We work with lenders who specialize in health and wellness businesses:

Equipment finance for Technogym, Life Fitness, Woodway
Fit-out funding for studio builds and refurbishments
Working capital for marketing campaigns and member acquisition
Bridging finance for location acquisitions

From £10k for specialist equipment to £500k for multi-site expansion.

As a gym owner myself, I understand the challenges you face. That's why LoanLogic connects fitness businesses across the South West to funding solutions that actually work.

No fees. No pressure. Just honest advice from someone who's walked the same path.

loanlogic.co.uk