FundBiz Blog
Independent guidance on UK specialty business finance: merchant cash advance, asset finance, commercial mortgages, VAT loans and finance after a decline. Written by Adam Parker. FundBiz is a business finance information site, not a lender.
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Guides
Debt Service Coverage Ratio: UK Commercial Mortgages
Debt service coverage ratio (DSCR) measures whether a property's rental income comfortably covers its mortgage payments. Most UK commercial mortgage len...
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Guides
First vs Second Charge Bridging Finance Explained
A bridging loan can sit as a first charge or a second charge against a property. The difference determines who gets repaid first if the asset is sold, h...
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Specialty finance
Business Finance for UK Professional Services Firms
Law firms, accountancy practices and consultancies face a distinctive cash flow pattern: work is done and billed weeks before it's paid, while partner ...
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Specialty finance
Business Finance for UK Dental, GP and Care Practices
Dental practices, GP surgeries and care homes have financing needs that generic business loans rarely fit well: clinical equipment with short depreciati...
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Specialty finance
Business Finance for UK Haulage and Transport Firms
UK haulage and transport operators face a distinctive cashflow shape: fuel is paid daily, customer invoices settle in 30 to 60 days, and MOT, tachograph...
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Specialty finance
Cashflow Finance for UK Recruitment Agencies
Recruitment agencies pay temporary workers weekly but often wait 30 to 60 days for client payment, creating a structural cash gap. Dedicated recruitment...
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Specialty finance
Auction Finance: Meeting the 28-Day Deadline
Auction finance is short-term property lending built around the fixed 28-day exchange-to-completion window set by auction house terms. For limited compa...
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Specialty finance
Commercial Mortgage LTV and DSCR: A UK SME Guide
UK commercial mortgages are priced and sized around two core metrics: loan-to-value (LTV) and debt service coverage ratio (DSCR). Most lenders cap LTV a...
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Post-decline
Post-Decline Finance: Fixing a Thin File for UK SMEs
A lender decline doesn't close every door, but it does signal that your credit file or supporting documents need attention before the next application....
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Specialty finance
Construction Retention Release Finance Explained
How limited company and LLP contractors release cash tied up in contractual retentions before the defects period ends, who lends against it, and how to apply.
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Specialty finance
E-Commerce Inventory Finance for UK SMEs
How online retailers fund stock purchases before sales land, using inventory finance, revolving credit, merchant cash advance and trade finance, and what lenders assess.
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Finance decisions
HMRC Time to Pay vs Business Loan: Which to Use
When a tax bill arrives and cash is tight, should a limited company negotiate Time to Pay with HMRC or borrow commercially? The trade-offs on cost, speed, scrutiny and risk.
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Specialty finance
Winding-Up Petition Rescue Finance for UK SMEs
A winding-up petition from HMRC or a creditor doesn't automatically end a limited company. The finance routes that can settle the debt, get the petition dismissed, and restore trading.
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Guides
Sharia-Compliant Business Finance for UK SMEs
How limited companies access interest-free, Sharia-compliant finance through FCA-regulated providers, the Murabaha and Ijara structures used, and how pricing compares.
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Guides
Balloon Payments in Asset Finance: A UK SME Guide
A balloon payment is a large lump sum due at the end of an asset finance agreement, designed to reduce monthly instalments during the term. UK SMEs use ...
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Finance decisions
HP vs Finance Lease: Tax Treatment for UK SMEs
Hire purchase and finance leasing both spread the cost of business assets, but they differ significantly in how tax relief is claimed, who owns the asse...
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Post-decline
Post-Decline Finance: Fixing Thin Files and CCJ Paths
A lender decline isn't a final answer. Most UK SME applications fail for correctable reasons: a thin credit file, a recent CCJ, or a mismatch between t...
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Guides
R&D Advance Funding: Accelerate Your Tax Credit
R&D advance funding allows UK limited companies to borrow against a confirmed or expected HMRC R&D tax credit before the repayment lands. Specialist len...
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Specialty finance
Equipment Refinance: Releasing Capital from Owned Assets
Equipment refinance allows UK businesses to sell owned plant, machinery or vehicles to a lender and lease them back, releasing tied-up capital without l...
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Finance decisions
MCA vs Asset Finance: Which One Fits Your Business?
A merchant cash advance funds against future card takings; asset finance funds a specific piece of equipment. Your choice turns on what you're buying.
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Rates and costs
MCA Factor Rates Explained: Converting to APR
A merchant cash advance uses a factor rate, not an interest rate. Converting it to an APR reveals the annualised cost and lets you compare it directly with a term loan.
Adam Parker
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