UK Business Finance

03/09/2026

We've secured over £800m in funding for UK businesses, matching companies with the whole of the commercial finance market rather than a single lender's products. Whether you need to improve cash flow, buy stock, purchase equipment, or pay off debts, checking your eligibility won't affect your credit score.

As an independent broker, we work for you, not the lenders, and our service is completely free with no upfront fees.

Read more: https://ukbusiness.finance/

Market-leading finance solutions from UK Business Finance, supporting companies of all sizes. Compare loans and funding options.

31/08/2026

A commercial finance broker works on your behalf, not the lender's, searching the whole market to match your business with the most suitable funding rather than the first offer available.

From advising on the right product to negotiating terms and handling the application, a good broker can save significant time and help avoid costly borrowing mistakes.

Read more: https://ukbusiness.finance/advice-hub/what-is-a-commercial-finance-broker

A commercial finance broker is a professional adviser who helps company directors and business owners source the best channel of funding for their business.

27/08/2026

Lenders look at more than just your business plan when assessing a loan application. Creditworthiness, trading history, existing debt levels, financial health, available security, and even your industry sector all factor into the decision.

Understanding what lenders are looking for before you apply can improve your chances of approval and help you avoid unnecessary damage to your credit rating.

Read more: https://ukbusiness.finance/advice-hub/what-lenders-look-for-in-a-business-loan-application

Before applying for finance for your company it is important you can demonstrate good creditworthiness, financial stability, and cash flow projections.

24/08/2026

Funding a management buyout usually means combining several sources: personal savings, secured or unsecured loans, asset refinancing, private equity, mezzanine finance, or even a vendor loan from the seller.

Understanding which combination suits your business, and the trade-offs each option carries, is key to getting the deal over the line.

Read more: https://ukbusiness.finance/advice-hub/how-to-finance-a-mbo

20/08/2026

Investor exits shouldn't come as a surprise. Angel investors typically invest for at least five years, private equity firms often view five years as a maximum, and venture capitalists may take a decade-long view before looking to exit.

Building an exit plan into your business plan from the outset, whether that's a trade sale, share sale, management buyout, or IPO, gives everyone clarity and helps the business prepare financially in advance.

Read more: https://ukbusiness.finance/advice-hub/how-to-financially-prepare-for-investor-exits

It’s important to plan and prepare the business for investor exits, however, especially as circumstances can quickly change within an industry.

14/08/2026

A bank loan isn't always the easiest or most flexible route for a start-up. Lending criteria can be strict, and without a trading history to point to, options like British Business Bank start-up loans or specialist lenders are often worth considering too.

Our latest advice hub article looks at start-up funding routes, from bank and specialist loans to invoice finance and equipment finance, plus what lenders will want to see in your application.

Read more: https://ukbusiness.finance/advice-hub/can-you-get-a-bank-loan-as-a-start-up-business

If you are looking to raise money for your start-up business, there are alternative funding options available which can offer more flexibility.

12/08/2026

Most companies have some form of outstanding borrowing, whether that's a business loan, an overdraft, or asset-based lending. But finance taken out years ago may no longer be the most cost-effective option for where your business is now.

Our latest advice hub article looks at how refinancing works, from securing better rates and terms to switching to more flexible funding such as invoice finance.

Read more: https://ukbusiness.finance/advice-hub/can-i-refinance-existing-business-borrowing

Most companies will have at least some outstanding borrowing, whether that is in the form of business loans, an overdraft, or a type of asset-based lending.

07/08/2026

If your company is insolvent, additional finance may still be possible, but it should never be pursued without professional guidance first. Directors' duties shift in insolvency, and applying for funding without input from a licensed insolvency practitioner can bring accusations of wrongful trading.

Our latest advice hub article covers when asset and invoice finance might be appropriate, and why a Time to Pay arrangement with HMRC can sometimes be a better route than new borrowing.

Read more: https://ukbusiness.finance/advice-hub/can-i-get-business-finance-if-my-company-is-insolvent

If your company is insolvent and you need additional funding to get its finances back on track this may be possible however caution must be exercised.

05/08/2026

A bad credit score doesn't automatically rule out business funding. Specialist and alternative lenders exist alongside standard providers, and options such as invoice finance and hire purchase are assessed on trading history or asset security rather than credit score alone.

Our latest advice hub article looks at what's available, from secured and unsecured loans to alternative finance routes, and what to consider before applying.

Read more: https://ukbusiness.finance/advice-hub/can-i-get-a-business-loan-with-bad-credit

Even if you have a bad credit score it may still be possible to secure funding for your business via a loan, invoice finance, or some forms of asset finance.

03/08/2026

🏗️ Planning a commercial property development? Securing the right finance is a crucial first step.

Commercial property development finance can help fund everything from land acquisition and construction costs to refurbishment and conversion projects. Understanding how these specialist loans work—and what lenders look for—can help you move your project forward with confidence.

Read our guide:
https://ukbusiness.finance/advice-hub/a-guide-to-commercial-property-development-finance

Understanding commercial property development finance, lender considerations for a property development loan, and advantages and disadvantages.