FundBiz Blog
Independent broker guidance on UK specialty business finance: merchant cash advance, asset finance, commercial mortgages, VAT loans and post-decline routing. Written by Adam Parker, reviewed by Oliver Mackman. FundBiz is a comparison and introducer service, not a lender.
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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.
Adam Parker -
Specialty finance
Corporation Tax Bridge Loans for UK SMEs
How a limited company can borrow a short-term lump sum to meet its HMRC corporation tax bill on time, repay over a fixed term, and keep its compliance record clean.
Adam Parker -
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.
Adam Parker -
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.
Adam Parker -
Specialty finance
PAYE Arrears Emergency Finance for UK SMEs
How a limited company behind on PAYE can clear the debt quickly and prevent HMRC escalation, the loan types that fit, and how lenders view tax arrears on an application.
Adam Parker -
Specialty finance
Winding-Up Petition Rescue Finance for UK SMEs
A winding-up petition from HMRC or a creditor does not automatically end a limited company. The finance routes that can settle the debt, get the petition dismissed, and restore trading.
Adam Parker -
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.
Adam Parker -
Rates and costs
How the BoE Base Rate Affects UK Business Loan Pricing
How the Bank of England base rate feeds into business loan rates, the bands by lender type, fixed versus variable, and practical steps to reach the lower end of the spectrum.
Adam Parker -
Post-decline
Declined for a Business Loan? What Specialty Finance Can Still Do
Declined for a business loan? Fewer than half of UK SME bank applications succeed, but specialist lenders fund cases high-street banks reject. Here is how.
Oliver Mackman -
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 are buying.
Oliver Mackman -
Guides
VAT Loans: When to Use Them and What They Cost
A VAT loan lets a UK business borrow the exact amount owed to HMRC on its quarterly return, repay HMRC on the due date, then settle the lender over a short term.
Adam Parker -
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
See which specialist lenders could fund you
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