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With full market access, we can match your business with the most efficient borrowing in minutes.

05/11/2026

Thinking about a business loan? Knowing what to expect before you apply can save you time.

Loans can be secured against an asset or unsecured, and the trade-off is usually rate against risk. Lenders will want to see a clear business plan, financial forecasts, recent accounts and bank statements, and sometimes a personal guarantee. An independent broker can compare lenders across the market on your behalf.

Our guide covers how to get a business loan, step by step: https://ukbusiness.finance/advice-hub/how-to-get-a-business-loan

Not all business loans are made equal and it’s important to know your options and how to source the best deals before committing to any financial product.

02/11/2026

Equity finance means selling shares in your company in exchange for investment. There are no fixed monthly repayments, and you may gain an investor’s expertise as well as their money.

The trade-off is dilution: you own less of the business, there’s more legal and administrative work, and you share future profits. It tends to suit start-ups and early-stage firms with strong growth potential.

Our guide covers the main types of investor and how to decide if it’s right for you.

https://ukbusiness.finance/advice-hub/what-is-equity-finance

Equity finance is commonly used by start-ups or early-stage company directors and involves selling shares in the company in return for investment.

29/10/2026

Collateral is simply an asset you pledge to a lender as security for a loan. If you default, the lender can take and sell it.

Machinery, vehicles, property, receivables, inventory and even intellectual property can all qualify. The upside for the business is often a larger loan, easier access to funding for start-ups, and better terms such as lower rates and longer repayment periods.

Our guide explains how collateral works and what to weigh up before you pledge it.

https://ukbusiness.finance/advice-hub/what-is-collateral-in-business-finance

Collateral can be used as security to underpin a business bank loan and other types of company finance and helps reduce the risk to the lender

26/10/2026

Cash flow finance is short-term, unsecured borrowing where the lender looks at your past, present and projected cash flow rather than physical collateral.

It can be quick and flexible, and a weaker credit rating isn’t always a barrier. The trade-offs are higher costs than a bank loan, possible fees, and a personal guarantee may be required, so it suits short-term funding gaps rather than long-term needs.

Check the true cost before you sign.

https://ukbusiness.finance/advice-hub/what-is-cash-flow-finance-and-how-does-it-work

Does your working capital need a boost? We explain what cash flow finance is and how it works, and cover the pros and cons for UK SMEs.

22/10/2026

Am I eligible for a business loan? Lenders usually look at a few things.

A good business credit score is one of the most important, and a string of rejections or lots of applications in a short window can damage it. Businesses with around two years of trading history typically have more to show, and lenders will also consider annual revenue, net operating income, your sector and any assets that could secure the loan.

To improve your chances, present a business plan showing cash flow covers repayments, keep accounts and tax up to date, and get the paperwork right first time.

https://ukbusiness.finance/advice-hub/am-i-eligible-for-a-business-loan

There are several factors which are important to consider when applying for a business loan to be eligible. One key factor is having a good credit score, find out more about lenders’ criteria before making an application.

19/10/2026

Positive cash flow and a healthy working capital position are what keep a business moving.

Working capital is simply current assets minus current liabilities due within 12 months. If it’s tight, there are practical ways to improve it: leasing equipment rather than buying outright, sale and leaseback on assets you own, tighter stock control and invoice finance to release cash tied up in unpaid invoices.

See the full list of options:
https://ukbusiness.finance/advice-hub/how-to-improve-your-companys-working-capital

A guide on improving your company’s working capital, such as through leasing, refinancing, inventory funding, invoice financing, and improving debt collection.

15/10/2026

If you’ve ever been asked to sign a debenture for a business loan, do you know what you’re agreeing to?

A debenture is the legal document that sets out the terms of a secured loan: the amount, interest, term and the lender’s rights over your assets. It can include a fixed charge over specific assets or a floating charge over assets that change, like stock.

The key risk is simple. If you can’t repay, the lender can act on that security. Have a solicitor review it before you sign.

Our guide explains how it works:
https://ukbusiness.finance/advice-hub/what-is-a-debenture

A debenture is a legal document used to define the terms of a secured business loan for a limited company or limited liability partnership.

12/10/2026

Invoice discounting or invoice factoring? Both release cash tied up in unpaid invoices, but they work differently.

With discounting, you keep control of your sales ledger and collect payments yourself, so customers don't need to know. With factoring, the lender manages the ledger and collects directly, so the arrangement is visible to customers.

Which suits you depends on how much control and confidentiality matter.

The difference explained: https://ukbusiness.finance/advice-hub/what-is-the-difference-between-invoice-discounting-and-invoice-factoring

Invoice discounting and invoice factoring are both types of a wider form of commercial borrowing known as invoice financing. Invoice finance works by allowing a company access to the money tied up in unpaid invoices.

08/10/2026

A merchant cash advance can suit businesses with steady card sales, but it isn't right for everyone.

You receive a lump sum and repay it as a percentage of future card takings, so repayments flex with trade. That can suit retail, hospitality and seasonal businesses, and it needs no collateral. The trade-off is that it typically costs more than traditional lending.

How merchant cash advances work: https://ukbusiness.finance/advice-hub/what-is-a-merchant-cash-advance-and-how-does-it-work

Understanding the process of a Merchant Cash Advance (MCA), advantages, disadvantages, and what Merchant Cash Advances can be used for.

05/10/2026

Applying for business finance? Your business plan is doing more work than you think.

Lenders want to see a clear executive summary, solid market analysis, and realistic financial projections - not just a good idea. A well-structured plan is often the difference between an approval and a rejection.

We've broken down exactly what a funding-ready business plan needs to include.

https://ukbusiness.finance/advice-hub/how-to-write-a-business-plan-to-secure-finance-for-your-company

If you are seeking to access funding, it is essential to have an informative and well-structured business plan. Find out more about what to include in your business plan to make it persuasive and compelling to potential investors.

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