Rivers Funding

19/02/2026

Securing finance is a common hurdle for small businesses across the UK. Many SMEs find themselves rejected by traditional bank lenders — and sometimes even by alternative lenders — at a time when cash flow and growth capital matter most. ​

Understanding why applications are declined, and what you can do differently, is essential if you want to successfully access the funds your business needs.​

Here's our practical guide for UK SMEs applying with alternative lenders.​

https://www.riversfunding.com/news/why-are-some-businesses-turned-down-for-loans​

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09/02/2026

Deal of the month: An asset finance funding facility of £300,000​

Our asset finance team have been working with a company that specialises in flexible, self-contained office space across London, providing a £300,000 funding facility for them to draw on as required.​

One of our trusted brokers, who is also a founding member of The Guild of Business Finance Professionals, made the introduction. They were looking for funding to support their growth and expansion plans, and based on the strength of the business, their financials, asset value, and their objectives, we were able to provide a £300,000 facility, which they can continually draw down from.​

The relationship has currently been in place for a year, the business is thriving, and the funding solution works well for them both in its structure as well as the size of the borrowing. It's a great example of how the right financial solutions can be instrumental in enabling business growth and development.​

02/02/2026

People make New Year's resolutions, but in their own way businesses do the same thing, reflecting on what they did last year, and considering where they might build on those ideas or do things differently in the 12 months ahead. So, what are the top three things you want to do differently this year, and can we help you fund them?​

https://www.riversfunding.com/news/top-three-things-small-businesses-want-to-do-differently-this-year​

19/01/2026

Rising costs mean that it's more important than ever for hospitality businesses to make every day of the year work as hard as possible, so that no money is left on the table, occupancy is maximised and so is every pound earned. ​

For many, this time of year is ideal for refreshing interiors and doing necessary maintenance before the next rush. However, how can you put money to work without eating into your reserves and depleting any cash buffer you might have earned over Christmas? ​

This is where a carefully considered business funding can provide the ideal solution - spending the money to get your premises in optimum condition and paying it off once those bookings start materialising once again. ​

Find out more in our latest article 👉 ​

https://www.riversfunding.com/news/how-funding-can-help-hospitality-businesses-thrive-in-quieter-months​

12/01/2026

Deal of the month: How we helped a home cocktail company thrive ​
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Two young entrepreneurs in their early twenties who had struggled to get funding because of their ages and lack of home ownership had tied themselves up in a lot of expensive borrowing to get their business off the ground without turning to family and friends. ​
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They started the business during Covid with the rise in socially distanced parties. While people were stuck indoors and there was nowhere to get a cocktail they began delivering them straight to your door. ​
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They came to us through a broker wanting £75,000 over five years to refinance the expensive debt and to fuel growth. The strength of the business and their equity in it meant that we were happy with that side of things. However, as both joint Directors and shareholders are still not homeowners, to strengthen the deal we required third-party guarantors in each case.​
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Both had individuals had people who were happy to guarantee the borrowing, so we were able to approve the loan and have it paid out in time for New Year.🎉​
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15/12/2025

A positive note to end the year from Rivers.

"To all those who have brought us business this year - we thank you - we are under no illusions about how important our broker, partner, and client relationships are to us. We hope to continue supporting you in whatever ways we can in 2026."

https://www.linkedin.com/pulse/bucking-trend-serving-sme-business-community-rivers-funding-ohtpe

A positive note to end the year from Rivers. While there has been a lot of anxiety over the last year, we wanted to end 2025 on a positive note, because for all the challenges in the economy, we have seen some significant silver linings at Rivers, which speak to the eternal strength of the SME commu

08/12/2025

After the budget left lots of business owners feeling flat, we ask how independent funders and non-bank lenders can help build confidence and resilience amongst SMEs.

https://www.riversfunding.com/news/building-business-confidence-after-the-budget

Empowering Loan For Small Business UK from Rivers Funding.

01/12/2025

Deal of the month: A business loan for refinancing and improved cash flow​

A furniture retailer came to us looking to borrow £75,000 for a combination of refinancing and cash flow.​

They wanted to consolidate two other loans, which were on more expensive rates, into one, to improve capital management. The business had a strong trading record and sound reasons for the consolidation request. ​

They wished to work with Rivers as we were able to offer a more competitive rate as well as a longer term of 60 months, where other lenders could only offer 24 months.​

Rivers was able to approve the loan for the full £75,000 over five years.​

17/11/2025

🌟🌟🌟🌟🌟​

​"We have been referring business to Rivers Leasing for a number of years and have always found them helpful and understanding. They look for reasons to help a client as opposed to declining a client. There is always somebody in the office that will help if our main point of contact, Rishi, is busy. A refreshing lender. Thank you." - Richard on Trustpilot​

10/11/2025

Black Friday is an important time for businesses to make the most of a commercial opportunity that is often considered vital to overall annual sales figures.

However, ensuring you have everything in place to do that involves planning, and indeed, finance. In this article we look at the top things UK business owners care about on Black Friday and how the right funding solutions can help.

https://www.riversfunding.com/news/if-you-could-pick-your-top-priority-for-black-friday-what-would-it-be-and-how-would-you-fund-it

03/11/2025

Deal of the month: Funding business development for a new restaurant ​

A restaurant came to us looking for £30,000 to upgrade kitchen equipment and invest in in-house products, including new menus. This number was then revised to £75,000. ​

As the appliances were not from a UK supplier, we needed to offer funding in the form of a business loan rather than asset finance. In addition, the business only incorporated at the start of 2024, so at the time of the application there were no annual financial accounts to base the loan on. ​

Nonetheless, we were able to approve the loan for £75,000 over 36 months because of the strength of the application and the business credentials. ​