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Loan logic

Fast business funding without the hassle.
£10k–£500k. Cash flow, working capital, unsecured loans, asset finance.
200+ lenders. Quick decisions. Clear advice.

04/11/2026

A loan approval isn't a cash-flow plan.

Before accepting business finance, it's worth checking what happens after the money arrives.

How much will you actually receive? What are the total repayments, including the borrowing you already have? And what happens if sales take longer to come in than expected?

Sometimes borrowing makes sense. Sometimes restructuring existing debt, reducing the requirement or waiting for better information is the stronger decision.

LoanLogic helps established businesses assess their funding options, costs and affordability before approaching suitable lenders.

If you're considering a new facility or reviewing existing borrowing, let's have a conversation.

https://loanlogic.co.uk/

03/11/2026

The machine isn't the whole investment.

A manufacturer might budget for a new piece of equipment, but the real project can also involve installation, tooling, training, extra materials and the working capital needed to take on more orders.

That matters because the machine might be ready to produce long before the customer pays.

The useful starting point is to separate the long-term asset from the costs of getting production moving.

Asset finance may suit the equipment. Working capital, supplier terms or customer deposits might be more appropriate for the rest.

If you're planning an equipment or capacity investment, LoanLogic can help you assess the full requirement before you commit.

https://loanlogic.co.uk/manufacturing-engineering-finance

28/10/2026

What would an extra £50,000 do for your business?

New equipment. Larger contracts. More stock. A bigger team.

Before borrowing, it’s worth asking: what would the investment achieve, and would it pay for itself?

What’s stopping you from making that investment today? Let’s have a conversation. Link in bio.

Commission-based broker. Not financial advice.

13/10/2026

The difference between needing funding and being fundable

A business can have a genuine opportunity to grow and still struggle to secure finance.

That doesn't necessarily mean the opportunity is a bad one.

It may mean the business isn't presenting the information lenders need to make a decision.

Before approaching a lender, it's worth understanding three things.

1. What is the money actually needed for?

Equipment, recruitment, premises, acquisitions and working capital all create different requirements.

2. How will the borrowing be repaid?

Lenders need to understand the existing financial position and how the proposed investment affects future cash flow.

3. What evidence supports the proposal?

Accounts, bank statements, contracts, forecasts and trading history can all help demonstrate the strength of an application.

Sometimes funding is available immediately.

Sometimes the structure needs changing.

And sometimes the business needs to demonstrate more before approaching lenders

At LoanLogic, our Funding Readiness Review helps businesses understand what may be possible now and what they might need to change.

Planning an investment in your business? Get in touch to discuss your funding options.

24/09/2026

Does a business CCJ mean you cannot get a loan?

Not necessarily.

Some lenders will not consider a business with a CCJ. Others will look beyond it and assess what happened, whether it has been paid and how the business is performing now.

Mistakes happen. Disputes occur. Businesses can also go through difficult periods and recover.

A CCJ may reduce the funding options available and could affect the cost, but it does not automatically close every door.

The important thing is to be upfront, explain the circumstances and show how the business is operating today.

If your business has a CCJ and you want to understand which funding routes may still be available, get in touch with LoanLogic.

23/09/2026

Does a business need two years of trading history before it can borrow?

Not always.

Some lenders can consider businesses once they have completed 12 months of trading. Others require at least 24 months.

The difference can significantly affect the number of lenders and funding options available.

It is also why one decline should not automatically be interpreted as a verdict on the business. The application may simply fall outside that lender’s current criteria.

Trading history is only part of the assessment. Lenders may also consider current bank conduct, affordability, credit history and how the funding will be used.

The question is not whether every lender will support the business. It is whether a suitable route is available now and whether waiting could produce a better option.

10/09/2026

You’ve won a bigger contract.

How are you going to fund it?

There isn’t just one answer.

You might use retained profits or cash reserves.

You might negotiate stage payments, deposits or better supplier terms.

You might hire equipment rather than buy it.

You might use external finance where the margin supports it.

Or you might decide the contract puts too much pressure on the business and walk away.

The best option is the one that lets you deliver the job without putting the rest of the business at unnecessary risk.

08/09/2026

Winning a bigger contract should be good news.

But for a construction business, it can also create a much bigger cash requirement.

Before the first payment lands, you may already be paying for:

- labour
- subcontractors
- materials
- plant
- fuel

That gap has to be funded somehow.

Sometimes that comes from retained profits.

Sometimes it comes from better supplier terms or stage payments.

Sometimes external funding helps.

The important point is this:

A bigger contract can create a cash-flow problem long before it creates more cash in the bank.

This week’s blog looks at how construction businesses and tradespeople in Dorset typically fund that step up.

03/09/2026

Funding readiness isn't about taking on debt today.

It's about understanding your options before an opportunity or deadline appears.

You might be planning:

• New equipment
• Recruitment
• Another location
• A larger contract
• A fit-out
• An acquisition
• Additional working capital

Knowing your funding position early gives you more time, more options and more control.

And if the answer is "not yet", finding that out early gives you time to improve the position.

Start your free Funding Readiness Review with LoanLogic.

🔗 loanlogic.co.uk/funding-readiness

01/09/2026

Planning to invest in your business over the next 6 to 12 months?

Before you commit, it is worth understanding:

✓ How much funding your business could realistically access

✓ Which type of finance could suit the project

✓ What information lenders are likely to require

✓ Whether there is anything you could improve before applying

You don't have to wait until the funding becomes urgent.

LoanLogic's Funding Readiness Review helps established businesses understand their options before they need to use them.

🔗 Start your free Funding Readiness Review at loanlogic.co.uk/funding-readiness

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Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://Www.loanlogic.co.uk/

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