https://fundbiz.co.uk/ Guides and articles on UK business finance from FundBiz. en-gb https://fundbiz.co.uk/guides/application-to-funds-process-by-product/ https://fundbiz.co.uk/guides/application-to-funds-process-by-product/ The six stages from applying for UK business finance to funds landing, and what lenders say on their own websites about how long a decision takes. Wed, 23 Sep 2026 12:00:00 GMT https://fundbiz.co.uk/guides/commercial-mortgage-remortgage-uk-smes/ https://fundbiz.co.uk/guides/commercial-mortgage-remortgage-uk-smes/ When to remortgage a commercial property: a product transfer or full remortgage to escape an expiring fixed rate, release equity or fix a problem facility. Wed, 16 Sep 2026 12:00:00 GMT https://fundbiz.co.uk/guides/home-equity-vs-business-finance/ https://fundbiz.co.uk/guides/home-equity-vs-business-finance/ 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. Mon, 14 Sep 2026 12:00:00 GMT https://fundbiz.co.uk/blog/debt-service-coverage-ratio-commercial-mortgages/ https://fundbiz.co.uk/blog/debt-service-coverage-ratio-commercial-mortgages/ Debt service coverage ratio explained for UK commercial mortgages: most lenders want rental income of 125% to 145% of the repayment, and what happens below it. Sun, 13 Sep 2026 12:00:00 GMT https://fundbiz.co.uk/guides/finance-for-subscription-recurring-revenue/ https://fundbiz.co.uk/guides/finance-for-subscription-recurring-revenue/ Finance for subscription and recurring-revenue businesses: why predictable income helps but is no easy approval, and how churn and concentration shape offers. Thu, 10 Sep 2026 12:00:00 GMT https://fundbiz.co.uk/guides/group-multi-entity-borrowing/ https://fundbiz.co.uk/guides/group-multi-entity-borrowing/ Borrowing across a group of companies: which entity should apply, whose assets sit behind the security, and when another group company must guarantee the debt. Thu, 10 Sep 2026 12:00:00 GMT https://fundbiz.co.uk/guides/second-facility-existing-security/ https://fundbiz.co.uk/guides/second-facility-existing-security/ Getting a second business facility when a debenture or security is already in place: lender consent, how charges rank and what a new lender needs to see. Thu, 10 Sep 2026 12:00:00 GMT https://fundbiz.co.uk/guides/what-lenders-actually-assess/ https://fundbiz.co.uk/guides/what-lenders-actually-assess/ The six things UK business lenders assess together: trading history, turnover, bank conduct, director credit, HMRC standing and security, and why each matters. Thu, 10 Sep 2026 12:00:00 GMT https://fundbiz.co.uk/blog/first-charge-vs-second-charge-bridging-finance/ https://fundbiz.co.uk/blog/first-charge-vs-second-charge-bridging-finance/ First vs second charge bridging finance: how charge order decides who is repaid first, how much a lender will advance and the rate you pay on a short-term loan. Wed, 09 Sep 2026 12:00:00 GMT https://fundbiz.co.uk/guides/finance-after-liquidation-restart/ https://fundbiz.co.uk/guides/finance-after-liquidation-restart/ Funding a new company after a previous one failed. What lenders actually look at, why the first year is the hard part, and the constraints to take advice on. Mon, 07 Sep 2026 12:00:00 GMT https://fundbiz.co.uk/guides/asset-finance-vs-bank-loan/ https://fundbiz.co.uk/guides/asset-finance-vs-bank-loan/ Asset finance vs a bank loan for equipment: how security, underwriting speed, turnover checks and freedom over use of funds differ, and which suits you. Sun, 09 Aug 2026 12:00:00 GMT https://fundbiz.co.uk/guides/bridging-loan-interest-payment-options/ https://fundbiz.co.uk/guides/bridging-loan-interest-payment-options/ Bridging loan interest can be rolled up, retained upfront or serviced monthly. How each option changes your cash flow, the amount released and the total cost. Fri, 07 Aug 2026 12:00:00 GMT https://fundbiz.co.uk/blog/business-finance-uk-professional-services-firms/ https://fundbiz.co.uk/blog/business-finance-uk-professional-services-firms/ Finance for law firms, accountancy practices and consultancies that bill weeks before they are paid, and the routes that bridge the gap without partner capital. Thu, 06 Aug 2026 12:00:00 GMT https://fundbiz.co.uk/guides/business-credit-cards-limited-companies/ https://fundbiz.co.uk/guides/business-credit-cards-limited-companies/ How a business credit card works for a UK limited company: published APRs, fees and interest-free days from three issuers, and a worked example of the cost. Sat, 01 Aug 2026 12:00:00 GMT https://fundbiz.co.uk/blog/business-finance-uk-dental-gp-care-practices/ https://fundbiz.co.uk/blog/business-finance-uk-dental-gp-care-practices/ Finance for dental practices, GP surgeries and care homes: asset finance for clinical kit, commercial mortgages for premises and working capital for NHS cycles. Mon, 27 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/guides/trade-finance-import-funding-uk-smes/ https://fundbiz.co.uk/guides/trade-finance-import-funding-uk-smes/ Trade finance for UK importers: how purchase order finance, import loans and letters of credit bridge paying an overseas supplier and getting paid yourself. Sun, 26 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/guides/asset-refinance-releasing-cash-from-owned-equipment/ https://fundbiz.co.uk/guides/asset-refinance-releasing-cash-from-owned-equipment/ Asset refinance lets a Ltd company, LLP or partnership of four or more partners raise cash against equipment, vehicles or machinery it already owns outright. Fri, 24 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/blog/business-finance-uk-haulage-transport-operators/ https://fundbiz.co.uk/blog/business-finance-uk-haulage-transport-operators/ Finance for UK haulage and transport firms, where fuel is paid daily but invoices settle in 30 to 60 days, and the products that close that working-capital gap. Thu, 23 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/guides/business-credit-card-vs-overdraft-uk-smb/ https://fundbiz.co.uk/guides/business-credit-card-vs-overdraft-uk-smb/ Business credit card or overdraft? How a card Wed, 22 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/blog/recruitment-agency-cashflow-finance/ https://fundbiz.co.uk/blog/recruitment-agency-cashflow-finance/ Recruitment agencies pay temps weekly but wait 30 to 60 days for clients to pay. How recruitment finance releases funds against approved timesheets for payroll. Tue, 21 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/guides/adverse-credit-business-finance-lender-assessment/ https://fundbiz.co.uk/guides/adverse-credit-business-finance-lender-assessment/ Adverse credit does not rule a limited company out of finance. What specialist lenders assess behind a CCJ or missed payment, and which products are easier. Mon, 20 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/blog/auction-finance-28-day-completion/ https://fundbiz.co.uk/blog/auction-finance-28-day-completion/ Auction finance is short-term property lending that helps a company complete an auction purchase on time, usually about four weeks after the hammer falls. Sun, 19 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/guides/mca-vs-invoice-finance-comparison/ https://fundbiz.co.uk/guides/mca-vs-invoice-finance-comparison/ Merchant cash advance vs invoice finance: one is repaid from card takings, the other advances against unpaid invoices. Which suits how your business gets paid. Sat, 18 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/guides/mca-eligibility-uk-sme-requirements/ https://fundbiz.co.uk/guides/mca-eligibility-uk-sme-requirements/ Merchant cash advance eligibility for UK businesses: lenders look at monthly card turnover, usually six months of card history and a UK-registered business. Thu, 16 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/blog/commercial-mortgage-ltv-dscr-uk-smb-guide/ https://fundbiz.co.uk/blog/commercial-mortgage-ltv-dscr-uk-smb-guide/ How UK commercial mortgages are sized on loan-to-value and debt service cover: most lenders cap owner-occupier LTV at 70 to 75% and want DSCR of at least 1.25x. Tue, 14 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/blog/post-decline-finance-fixing-thin-file-uk-smb/ https://fundbiz.co.uk/blog/post-decline-finance-fixing-thin-file-uk-smb/ After a business finance decline, how to fix a thin credit file and supporting documents, and approach the right tier of lender in the right order next time. Tue, 14 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/guides/eligibility-fundbiz-limited-company-llp-partnership/ https://fundbiz.co.uk/guides/eligibility-fundbiz-limited-company-llp-partnership/ FundBiz is not a lender. Who can send an enquiry through FundBiz, and how lenders view limited companies, LLPs and partnerships. Wed, 08 Jul 2026 12:00:00 GMT https://fundbiz.co.uk/blog/construction-retention-release-finance-uk/ https://fundbiz.co.uk/blog/construction-retention-release-finance-uk/ 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. Mon, 29 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/blog/e-commerce-inventory-finance-uk-smes/ https://fundbiz.co.uk/blog/e-commerce-inventory-finance-uk-smes/ How UK online retailers fund stock before sales land, using inventory finance, revolving credit, MCA and trade finance, and what lenders assess. Mon, 29 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/blog/hmrc-time-to-pay-vs-business-loan-uk/ https://fundbiz.co.uk/blog/hmrc-time-to-pay-vs-business-loan-uk/ Tax bill due and cash tight? Whether a limited company should negotiate HMRC Time to Pay or borrow commercially, and the trade-offs on cost, speed and risk. Mon, 29 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/blog/sharia-compliant-business-finance-uk-sme-guide/ https://fundbiz.co.uk/blog/sharia-compliant-business-finance-uk-sme-guide/ How limited companies access interest-free, Sharia-compliant finance via FCA-regulated providers, and the Murabaha and Ijara structures used. Mon, 29 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/blog/winding-up-petition-rescue-finance-uk/ https://fundbiz.co.uk/blog/winding-up-petition-rescue-finance-uk/ A winding-up petition from HMRC or a creditor need not end a limited company. The finance routes that settle the debt, get it dismissed, and restore trading. Mon, 29 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/guides/business-loan-with-ccj/ https://fundbiz.co.uk/guides/business-loan-with-ccj/ A CCJ is a common decline reason but rarely closes every route for a limited company or LLP. How specialist lenders treat CCJs, and the steps before applying. Mon, 29 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/guides/directors-loan-account-overdrawn-options/ https://fundbiz.co.uk/guides/directors-loan-account-overdrawn-options/ From 6 April 2026 the section 455 rate on overdrawn director loans rose to 35.75%. What S455 charges, when it applies, and the refinance-versus-absorb call. Mon, 29 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/guides/is-business-lending-regulated-by-the-fca/ https://fundbiz.co.uk/guides/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. Sat, 27 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/guides/will-a-personal-guarantee-put-my-house-at-risk/ https://fundbiz.co.uk/guides/will-a-personal-guarantee-put-my-house-at-risk/ A personal guarantee doesn Sat, 27 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/blog/balloon-payments-asset-finance-uk-smb/ https://fundbiz.co.uk/blog/balloon-payments-asset-finance-uk-smb/ A balloon payment is a lump sum due at the end of an asset finance agreement to lower the monthly instalments. How it works and what to plan for before signing. Fri, 26 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/guides/merchant-cash-advance-repayment-how-it-works/ https://fundbiz.co.uk/guides/merchant-cash-advance-repayment-how-it-works/ How merchant cash advance repayments work: a set percentage of daily or weekly card takings, so payments rise and fall with revenue, and how the split works. Fri, 26 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/guides/commercial-mortgage-rates-explained-uk-sme/ https://fundbiz.co.uk/guides/commercial-mortgage-rates-explained-uk-sme/ UK commercial mortgage rates from lenders Thu, 11 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/blog/hp-vs-finance-lease-tax-treatment-uk/ https://fundbiz.co.uk/blog/hp-vs-finance-lease-tax-treatment-uk/ Hire purchase vs finance lease for UK businesses: how tax relief, ownership of the asset and the balance sheet treatment differ, and which fits your position. Sun, 07 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/blog/post-decline-finance-fixing-thin-file-ccj-paths/ https://fundbiz.co.uk/blog/post-decline-finance-fixing-thin-file-ccj-paths/ A lender decline is not a final answer. How to fix a thin credit file or a recent CCJ, find the real decline reason and approach the right type of lender next. Fri, 05 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/blog/equipment-refinance-capital-release-uk/ https://fundbiz.co.uk/blog/equipment-refinance-capital-release-uk/ Equipment refinance lets a UK business sell owned plant, machinery or vehicles to a lender and lease them back, releasing 70 to 90 percent of open-market value. Mon, 01 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/blog/rd-advance-funding-uk-sme-guide/ https://fundbiz.co.uk/blog/rd-advance-funding-uk-sme-guide/ R&D advance funding lets a UK limited company borrow against an expected HMRC R&D tax credit, then repay the loan once HMRC pays the credit to the company. Mon, 01 Jun 2026 12:00:00 GMT https://fundbiz.co.uk/blog/mca-vs-asset-finance-which-to-choose/ https://fundbiz.co.uk/blog/mca-vs-asset-finance-which-to-choose/ A merchant cash advance funds against future card takings; asset finance funds a specific piece of equipment. Your choice turns on what you Mon, 25 May 2026 12:00:00 GMT https://fundbiz.co.uk/blog/mca-factor-rate-to-apr-conversion-uk/ https://fundbiz.co.uk/blog/mca-factor-rate-to-apr-conversion-uk/ How to turn a merchant cash advance factor rate into a rough annual rate to compare it with a loan, and why the answer depends on how fast takings repay it. Sun, 24 May 2026 12:00:00 GMT https://fundbiz.co.uk/guides/asset-finance-hp-finance-lease-operating-lease-refinance/ https://fundbiz.co.uk/guides/asset-finance-hp-finance-lease-operating-lease-refinance/ Asset finance explained: how hire purchase, finance lease, operating lease and asset refinance differ on ownership, accounting and tax for UK businesses. Sun, 24 May 2026 12:00:00 GMT https://fundbiz.co.uk/guides/bridging-finance-regulated-unregulated-exit-strategies/ https://fundbiz.co.uk/guides/bridging-finance-regulated-unregulated-exit-strategies/ Bridging finance is a short-term secured loan of 1 to 24 months. How regulated and unregulated bridging differ on rules, costs and the exit lenders expect. Sun, 24 May 2026 12:00:00 GMT