UK specialty finance guides
Plain-English guides to the specialty finance products UK limited companies, LLPs and partnerships with four or more partners actually use. Each guide explains how the product works, what it costs and when it fits, with no fabricated lender data.
Check your optionsFree · 2 mins
- From Application to Funds: The Process by ProductThe 6 stages between applying for UK business finance and funds landing, and how the median time to an indicative decision differs by product.
- Commercial Mortgage Rates Explained for UK SMEsCommercial mortgage rates in the UK are priced as a margin above a base rate or SONIA, and the rate you receive depends on loan-to-value, property type,...
- Who Can Enquire Through FundBiz: Ltd, LLP and Partnership RulesFundBiz is not a lender. Who can send an enquiry through FundBiz, and how lenders view limited companies, LLPs and partnerships.
- How to build business credit for a limited companySix steps for a limited company: file accounts and the confirmation statement on time, pay on time, keep company money separate and check your file with the agencies.
- How to get a business loan in the UKThe steps for a limited company or LLP: check you're eligible, pick the product, get documents ready, apply with a soft search first, and what to do if declined.
- Home equity or business finance: which should fund your business?Releasing equity from your home and business finance solve the same cash need differently. How the two routes compare on speed, security, cost and risk.
- Is business lending regulated by the FCA?Most lending to limited companies is not FCA-regulated. How the regulatory perimeter works, which borrowers get consumer-credit protection, and why it matters.
- MCA Eligibility: What UK SMEs Need to QualifyA merchant cash advance suits UK businesses that take card payments regularly. Lenders assess your monthly card turnover rather than credit scores alone...
- MCA vs Invoice Finance: Which Suits Your Cash FlowMerchant cash advance and invoice finance both release cash quickly, but they work on different mechanics. MCA advances a lump sum repaid as a fixed per...
- MCA Repayments: How the Split Works in PracticeA merchant cash advance is repaid through an automatic percentage of your daily or weekly card takings, not fixed monthly instalments. This means repaym...
- Small business loans for online stores: what you can getWhat a small online store can borrow from each provider's own published ranges, what lenders look at in your sales and payouts, and what to ask.
- Will a personal guarantee put my house at risk?A personal guarantee doesn't automatically put your home at risk, but it can. How a PG becomes a claim on your house, and how to limit the exposure.
- Asset Finance Explained: HP, Leases and RefinanceHire purchase, finance lease, operating lease and refinance compared on ownership, cost and balance-sheet treatment.
- Bridging Finance: Regulated vs Unregulated ExplainedWhen bridging applies, the regulated versus unregulated split, and the exit strategies lenders expect to see.
- Business Finance With a CCJHow specialist lenders treat a County Court Judgment, who engages, and the steps to take before applying.
- Overdrawn Director's Loan Account: Refinance OptionsWhat S455 charges after the April 2026 rise to 35.75%, and the refinance versus absorb decision.
Related reading from the blog
Shorter, focused pieces that go deeper on a single decision or cost.
- MCA factor rates explained: converting to APR Turn a merchant cash advance factor rate into an annualised cost you can compare with a term loan.
- Equipment refinance: releasing capital from owned assets How sale-and-leaseback frees cash trapped in plant and machinery you already own.
Unfamiliar with a term? The business finance glossary defines the language used across these guides. The full archive is on the FundBiz blog.
Last updated: . By Adam Parker.