bizbritain

bizbritain bizbritain provides UK entrepreneurs with access to funding to start, grow, or buy a business.

BizBritain was originally founded in March 2012 by multi award winning entrepreneur Matt Gubba as a resource to help people start their own business, after he saw a growing need in the marketplace for support and guidance amongst the rapidly increasing number of new business owners. In 2013 Matt teamed up with seasoned business development expert Gary Lennon and BizBritain became a national delive

ry partner of the the Start Up Loans scheme, a £500 Million government fund which was set in motion by Lord Young. At the time of writing this, BizBritain has funded more than 2,500 Startups with a combined total of over £30 Million. BizBritain is now a fully FCA authorised financial services firm, brokering a wide range of financial products for start-ups and SMEs though our network of lenders and associate brokers.

October is a heavy month for tax. Corporation Tax, VAT and PAYE bills can all land inside three weeks.Azets warned this ...
27/08/2026

October is a heavy month for tax. Corporation Tax, VAT and PAYE bills can all land inside three weeks.

Azets warned this week that firms which have not put the money aside face a real risk of a cashflow crisis.

Two of those dates depend on your own year end. It is worth checking yours now rather than in September.

If the cash looks tight, talk to us early. We help you find the right lender and get the application right.

If you run a cafe, a shop, a care service or a small warehouse, this one is for you.The government's consultation on zer...
26/08/2026

If you run a cafe, a shop, a care service or a small warehouse, this one is for you.

The government's consultation on zero hours contracts closed on 25 August. New rules on shift notice are expected in 2027.

In short, you will need to give proper notice of shifts. You may also have to pay when a shift is cancelled or cut short late.

Right now, a quiet week can be handled by cutting shifts at the last minute. Soon that may cost money instead.

So it is worth pricing your quietest week now. It is also worth getting a facility in place while trading is calm, because arranging finance before you need it is far easier.

Start. Grow. Buy.

Pub and hotel owners have been waiting a long time for movement on business rates. We finally have some.The Treasury has...
26/08/2026

Pub and hotel owners have been waiting a long time for movement on business rates. We finally have some.

The Treasury has launched an independent review into how pubs and hotels are valued for business rates.

It is accepting evidence until 16 October 2026, with the final report due by the end of March 2027.

So, is this good news?

Yes, but it will take time.

Any changes recommended by the review cannot affect bills until the next revaluation in 2029.

There is some help before then.

Business rates were cut by 15% from April 2026. A further 20% cut is due from April 2027 for pubs, social clubs and live music venues.

According to the Treasury, the current reduction saves the average pub around £1,650 this year.

For anyone planning to buy, refurbish or expand a hospitality business, this matters.

Business rates are a major fixed cost. Greater certainty makes it easier to forecast whether a deal is affordable and whether a funding application stacks up.

In our experience, lenders are rarely put off by the hospitality sector itself. The numbers simply need to work.

Business rates are devolved, so the changes above apply to England.

https://bizbritain.com/guides/library/pub-and-hotel-finance-2026-business-rates-review

Mike Ashley's Frasers Group has bought Harvey Nichols out of administration, and raised its Hugo Boss stake to nearly 48...
25/08/2026

Mike Ashley's Frasers Group has bought Harvey Nichols out of administration, and raised its Hugo Boss stake to nearly 48% in the same month. The lesson for the rest of us: buying an established business is often faster and safer than starting one from scratch.

With 674,030 UK businesses in significant financial distress this year, according to the Begbies Traynor Red Flag Alert, more owners are ready to sell. The part that decides it is the finance, and that is where a broker earns their place, looking across a wide panel of specialist lenders rather than one high-street bank.

Start. Grow. Buy.

A quick heads-up on what business borrowing is costing at the moment.The average rate on new small business loans rose i...
25/08/2026

A quick heads-up on what business borrowing is costing at the moment.

The average rate on new small business loans rose in June, to 6.36%, even though the Bank of England has not moved its own rate. Bank Rate is still 3.75%, held on 30 July, and the next decision is not until 17 September.

It is a small move, and nobody is quoted the average. But if you have been sitting on a quote from earlier in the year, or waiting for a better moment to apply, it is worth knowing the market has not been standing still while you waited.

Happy to talk it through if you are weighing up timing.

https://bizbritain.com/business-growth-loans

A quick correction round on Start Up Loans, because most of the guides online are out of date.The fixed interest rate is...
24/08/2026

A quick correction round on Start Up Loans, because most of the guides online are out of date.

The fixed interest rate is 7.5% a year, not 6%. It changed on 6 April 2026.

You can now be trading for up to five years and still apply, where the old limit was three.

You can apply for a second loan, on published conditions.

The individual limit is £25,000 outstanding across both loans combined, and there is a £100,000 cap per business across everyone in it. The "co-founders can stack £50,000" line doing the rounds is somebody's arithmetic, not a scheme rule.

And the part worth being clear about: it is an unsecured personal loan for business use. You are personally liable for it, whatever happens to the business.

Twelve months of free mentoring comes with it.

Checked against Start Up Loans and the British Business Bank on 22 August 2026. Message us if you are planning to apply and we will walk you through it. Applications are subject to status, affordability and lender criteria.

If a lender has asked you to sign a personal guarantee, this one is worth five minutes.Applications for personal guarant...
24/08/2026

If a lender has asked you to sign a personal guarantee, this one is worth five minutes.

Applications for personal guarantee backed finance were up 63% year on year in the second quarter. More than a third of that money was for working capital, the everyday cash that keeps a business trading.

A personal guarantee is the document that switches off part of the protection a limited company gives you. If the company cannot repay, you do.

That does not make it a bad idea. Plenty of good businesses get funded because a director was willing to stand behind the borrowing. It does mean reading it properly, and knowing whether it is capped, what triggers it, whether it survives you leaving, and whether anything of yours is secured against it.

We have written up what to check, plus how it compares with a Start Up Loan: https://www.bizbritain.com/guides/library/personal-guarantee-backed-borrowing-2026-guide

bizbritain finance acts as a credit broker, not a lender. Nothing here is a recommendation to give a personal guarantee. General information, not legal or financial advice. Applications are subject to status, affordability and lender criteria.

Six hours a month. That is how long nearly a third of UK small businesses now spend chasing money they are already owed....
23/08/2026

Six hours a month. That is how long nearly a third of UK small businesses now spend chasing money they are already owed.

New research found 34.5% are having cash flow problems because of it, nearly one in five have written invoices off completely, and one in ten are using an overdraft to cover the gap.

Everybody says chase harder. But better reminders pull a payment in by a week. They do not turn 60 day terms into cash today.

That is what invoice finance is for. You draw part of the invoice when you raise it, rather than waiting for your customer to get round to it. It costs money, and it is not right for everyone, but it fixes the timing rather than the paperwork.

We have written up what it costs, the three similar sounding products people mix up, and when an overdraft is actually the better answer: https://www.bizbritain.com/guides/library/late-payments-2026-invoice-finance-guide

bizbritain finance acts as a credit broker, not a lender. Applications are subject to status, affordability and lender criteria.

Two thirds of small business owners say they would be more likely to borrow if they understood their options better.Not ...
23/08/2026

Two thirds of small business owners say they would be more likely to borrow if they understood their options better.

Not that they were turned down. Not that they did not want the money. They could not work out what they were looking at, so they left it.

That is from a survey of 2,000 UK SMEs published this month. It also found 53% think the finance market is confusing, and just over half do not fully trust the high-street banks for finance advice.

Honestly? The market is confusing. Products with nearly identical names behave completely differently. Costs get quoted in formats you cannot compare side by side. And most of the explanation out there is written by somebody selling one specific thing.

The good news is the first useful step costs nothing and involves no application at all. Write down what the money is for, in one sentence, and what shape you need it in.

We have written up the rest, including how to compare two costs quoted completely differently: https://www.bizbritain.com/guides/library/why-66-percent-of-uk-smes-dont-apply-for-finance

bizbritain finance acts as a credit broker, not a lender. General information, not financial advice. Applications are subject to status, affordability and lender criteria.

Bit of a wonky one, but genuinely useful if you are thinking about borrowing.The government's main small business loan g...
22/08/2026

Bit of a wonky one, but genuinely useful if you are thinking about borrowing.

The government's main small business loan guarantee scheme has just been expanded. Bigger businesses will qualify, terms can stretch to 10 years, and there is billions more going into it.

The catch: the published rules have not caught up yet. Today it is still the old limits. So this is one to plan around rather than act on this week.

The part that actually matters is the longer term. Spreading the same loan over 10 years instead of six lowers what leaves your account each month, and that is usually what decides whether you can afford it at all.

One thing worth knowing either way: the government guarantee protects the lender, not you. Your business still owes the full amount. Plenty of people have that backwards.

Full breakdown: https://www.bizbritain.com/guides/library/growth-guarantee-scheme-2026-expanded-rules

bizbritain finance acts as a credit broker, not a lender. Applications are subject to status, affordability and lender criteria.

Address

Marlow

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+448008886118

Website

Alerts

Be the first to know and let us send you an email when bizbritain posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category