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Balloon coming due on a hire purchase. Refinance routes for plant, vehicles and equipment, how to keep the asset, when to walk away, comparison of UK SMB.

FRS 102 lease accounting effective 1 January 2026. Operating leases now on balance sheet.

UK asset finance: hire purchase, finance lease, operating lease and asset refinance. Equipment, vehicles, machinery. Limited companies, £5k to £5m+.

Release working capital from owned UK plant, vehicles or equipment via sale-and-leaseback. How it works, who it suits, panel lenders, worked example.

UK VAT bill due, cash short. VAT loan vs HMRC Time-to-Pay arrangement, real rates, worked example on a £10,000 VAT bill, when each one fits.

Construction subcontractors with CIS deductions held back. UK specialist lenders that advance against CIS due back via tax return.

Profitable trading, cashflow stretched at Corporation Tax due-date. UK bridge-loan and short-term lenders that compete with HMRC Time To Pay interest.

Specialist UK SME finance for HMRC tax pressure: VAT loans, PAYE arrears working capital, Corporation Tax bridges, CIS deduction advances.

PAYE or NIC arrears stacking. UK working-capital lenders that engage with HMRC arrears, what they want to see, and where to start.

VAT bill due in days, cash short. UK specialist VAT-loan lenders that fund against next-quarter cashflow.

UK aesthetic clinic or medical aesthetic business facing CQC compliance investment plus tightening UK cosmetic regulation (JCCP voluntary register.

UK farm or agricultural business with most revenue from a single off-take buyer (supermarket, dairy processor, livestock market, food manufacturer).

UK care home (residential, nursing, specialist) caught between CQC compliance investment and operating cashflow.

UK charity or community interest company (CIC) caught between restricted grant funding and unrestricted operational costs.

You run a UK construction company and Funding Circle has declined your application.

UK construction subcontractor caught in main contractor late payment (30+ days beyond contractual terms).

UK e-commerce seller declined by Amazon Lending, Shopify Capital, eBay Capital or other marketplace-embedded lenders.

UK independent school, training provider, tuition agency, or education business caught in the academic-year cashflow cycle (termly fee income vs.

UK renewable energy generator or developer caught in the CFD (Contracts for Difference) payment-cycle cashflow gap.

UK engineering, fabrication, or metals processing business caught in steel and base-metal price volatility against fixed-price customer contracts.

UK healthcare staffing agency or locum management business needing finance for the medical locum payroll cycle.

UK restaurant, pub, hotel, or food service business caught in ingredient cost inflation (food, beverage, energy) against menu pricing that lags behind.

UK hospitality business (restaurant, pub, café, hotel) with an MCA daily draw eating into card takings.

Declined for a UK business loan? Tell us why and we route to specialist lenders that accept the decline reason.

UK solicitor or legal services firm caught in Legal Aid Agency funding delay or assessment dispute.

UK solicitors, barristers chambers, or legal services LLP caught in long work-in-progress cashflow cycle (litigation files, conveyancing, corporate.

UK manufacturer with PAYE, VAT, or Corporation Tax arrears. Specialist lenders that engage with HMRC pressure on manufacturing files, the routing options.

UK community pharmacy caught between NHS prescription payment cycle and continuous operating costs.

UK print, packaging, or paper-converter business caught in input-cost inflation (pulp prices, energy, labour) against fixed-price customer contracts.

UK professional services firm (consultancy, IT services, project delivery) caught in IR35 / off-payroll working changes affecting cashflow.

UK pub, bar, club, or hospitality business caught in the January-March post-festive cashflow trough.

UK recruitment agency caught with major end-client unilaterally extending payment terms from 30 to 60 or 90 days.

UK recruitment agency with a County Court Judgment on the company or director credit file.

UK retailer caught in seasonal cash-flow stress (post-Christmas dip, summer trough).

UK B2B SaaS business with enterprise customer purchase decisions delayed or frozen (Q4 budget freezes, year-end cost reviews, procurement consolidation).

UK tech or SaaS business trading less than 12 months, declined by mainstream lenders.

UK transport and logistics business caught in HGV driver shortage cost pressure (wage inflation, agency-driver premiums, fleet underutilisation).

UK independent veterinary practice facing consolidator competition (CVS, VetPartners, IVC Evidensia) and working-capital pressure. Finance routing options.

UK wholesale or distribution business with Atradius, Coface, or Allianz Trade cover withdrawn on a key customer or full ledger.

ECCTA director identity verification at Companies House. What lenders ask, how it affects underwriting on UK SMB finance, what to do if directors are not.

Final balloon on a hire purchase or finance lease is due in 90 days. Your refinance routes, what to do, what to avoid and how to keep the asset working.

A Funding Circle decline lands. The 7-day window, your three options (appeal, retry elsewhere, restructure), what to avoid, when to call an accountant.

Operating lease ended, residual cost higher than expected, asset purchase or refinance needed.

Daily card sales have dropped mid-MCA-repayment. The 7-day window, your three options (renegotiate, top-up, refinance), what to avoid, when to call an IP.

Performance bond or advance-payment bond called on a contract. UK specialist working-capital and bridging lenders that fund bond settlement and ongoing.

HMRC has opened an enquiry into your R&D tax credit claim. The window, the impact on R&D advance facilities, your three options and what not to do next.

Sales are dropping mid-MCA-repayment but card volume is still flowing. Restructuring routes, the 7-day window, what to avoid, when to call an accountant.

Key supplier demanding payment or threatening to stop deliveries. UK working-capital and asset-finance routes that fund supplier settlement fast, explained.

Trade credit insurance cancelled on a key customer or your full ledger. UK invoice finance and working-capital routes to bridge the funding gap explained.

UK SMB sector landers: hospitality, e-commerce, construction, recruitment, manufacturing. Which lenders specialise in your trade and what they fund.

Business line of credit UK: what the term means here, the four products that deliver one (revolving credit, overdraft, credit card, invoice finance) and which fits.

UK specialty business finance products: merchant cash advance, asset finance, commercial mortgages, bridging, VAT funding, R&D advance.

Alternatives pages for the UK specialty finance lenders SMBs actually consider. MCA, asset finance, post-decline routing compared side-by-side.

Funding equipment or a one-off need? How asset finance, secured on the asset, compares with an unsecured business term loan on cost, security and fit.

Fast, property-secured short-term cash or a longer unsecured term loan? How a bridging loan compares with a business term loan on speed, cost and exit.

Fast short-term bridging or a long-term commercial mortgage? How the two property finance routes compare on term, cost, speed and exit, and when each fits.

Compare UK specialty SMB finance providers side-by-side: MCA, asset finance, post-decline routing and challenger banks. For limited companies and LLPs.

Merchant cash advance against card takings, or invoice finance against unpaid B2B invoices? How the two working-capital routes compare on cost and speed.

Repay as a share of sales, or fixed monthly instalments at a known APR? How revenue-based finance compares with a business term loan on cost and eligibility.

Both repay as a share of sales but underwrite different revenue. How revenue-based finance for online sellers compares with a merchant cash advance.

Side-by-side comparisons of UK specialty SMB finance providers. MCA, asset finance, post-decline routing, challenger banks compared.

Two leading UK card-acquirer MCA providers compared on factor rate and hold-back.

Card-based MCA providers compared on sector reach and ticket band.

High-risk-tolerant Australian-origin MCA vs UK-native MCA brand.

UK MCA providers compared on speed, ticket and underwriting flexibility.

Card-acquirer MCA vs general UK MCA: which fits which trade profile.

Two UK specialist asset and term lenders compared on ticket and sector appetite.

PRA challenger bank vs specialist asset finance lender.

UK challenger banks compared on commercial finance appetite.

Fintech short-term lender vs MCA: cashflow facility vs revenue-share repayment.

MCA card-acquirer revenue-share vs fintech short-term cashflow facility.

Where to go when traditional lenders decline: high-risk MCA vs card-based MCA.

High-risk-appetite UK MCA providers compared on factor rate and approval reach.

The 13 UK SMB lenders FundBiz actively routes applications to. Mainstream fintechs, MCA specialists, challenger banks, asset finance, and post-decline.

How UK high-street and challenger banks handle SMB lending: criteria, decision time, common decline reasons, and where to go if they say no.

UK Growth Guarantee Scheme extended to 31 March 2030. Who qualifies, accredited lenders, what to do if a GGS lender declines you. FundBiz Ltd-only routing.

UK government-backed business finance schemes: Growth Guarantee Scheme, Recovery Loan Scheme history, Start Up Loans.

The UK Recovery Loan Scheme ran 6 April 2021 to 30 June 2024. Historical eligibility, what replaced it (Growth Guarantee Scheme), and refinance options.

British Business Bank Start Up Loans: £500 to £25,000 personal loans to founders of pre-revenue and very-early-stage UK businesses.

Calculate debt-service coverage ratio and free-cash-flow-to-debt-service. Worked examples at DSCR 1.0, 1.25, 1.5 and 2.0 thresholds.

Hire purchase, finance lease and operating lease compared on a £50,000 asset over 5 years.

Model whether to keep a Bounce Back Loan at 2.5% with Pay As You Grow or refinance at 2026 rates, weighing the rate cost against the new facility.

Work out the weighted-average cost of a UK SMB debt stack across a term loan, MCA and asset finance. Weight each facility by principal for one blended APR.

Bridging finance true cost: gross vs net loan, monthly rate, fees, retained vs rolled vs serviced interest, total cost over the days you actually hold it.

Free UK commercial mortgage calculator: monthly repayment on repayment or interest-only basis, total repayable and total interest. Worked examples from £250k to £1m, plus LTV and DSCR notes.

Work out your debt-service coverage ratio: normalised EBITDA divided by total annual debt service including the new loan. Worked examples plus a stress test.

Self-score across six dimensions (trading time, turnover, credit, sector, security, ticket size) to find the UK finance product most likely to approve you.

Free UK business loan calculator: monthly repayment, total repayable and total interest on an amortising term loan. Worked examples from £25k to £250k, 8% to 12% APR.

Convert merchant cash advance factor rates to effective APR. Worked examples at factor 1.20, 1.30, 1.40 over 6, 9 and 12 month repayment periods.

Estimate the cash advance available against an R&D tax credit claim. Inputs: qualifying spend, scheme (RDEC vs SME merged), claim status (filed vs draft).

Convert a revenue-based finance flat fee and revenue share into an effective annualised cost and payback period. Worked examples at 4%, 6% and 8% fees.

Overdrawn director's loan? Compare the 33.75% S455 charge against the cost of a short-term bridge to clear the DLA before the 9-month deadline. HMRC-sourced.

Cash conversion cycle calculation with worked examples per sector: manufacturing, retail, services.

Buying a business and need bridging against non-property assets? The routes: acquired plant, stock, receivables and guarantees, plus the refinance exit.

Adverse credit does not automatically rule a limited company out of finance. Specialist lenders look past the credit score to what caused the issue, how...

Business lending divides into asset-backed, secured on specific assets, and unsecured, relying on credit plus a guarantee. How each is priced and sized.

Applying for asset finance in the UK involves choosing the right product, gathering supporting documents, and working through a lender's credit assessme...

Asset finance lets UK businesses acquire or release value from physical equipment without paying the full purchase price upfront. The main structures ar...

Asset finance secures borrowing against the equipment itself, so lenders take on less risk and approve faster, often with no separate deposit account ti...

Asset refinance lets a limited company, LLP or partnership of 4+ raise cash against equipment, vehicles or machinery it already owns outright. The lende...

A bridging loan is a short-term secured facility, typically 1 to 24 months, used to fund property purchases, refurbishments or cash-flow gaps before a l...

Bridging finance is a short-term secured loan, typically lasting 1 to 24 months, used to bridge a gap between an immediate funding need and a longer-ter...

Bridging lenders let borrowers choose how interest is paid: rolled up and added to the balance, retained upfront from the loan, or serviced monthly like...

A business credit card and a bank overdraft both cover short-term cash flow gaps, but they work differently. A card gives a fixed limit with an interest...

A business credit card gives a limited company, LLP or partnership a revolving credit line for day-to-day spending, separate from a term loan or asset f...

An IVA triggers a decline at most lenders while in force and stays on the credit file for six years. The realistic lender options during and after.

A calm, ordered plan after a business loan is declined: get the reason, protect your credit file, and match it to the right specialist route. Ltd, LLP, 4+.

Most lenders want 12 to 24 months, so sub-12-month trading is a common decline. The specialist lenders that engage earlier, and what you must show them.

Three working-capital routes with different shapes and costs. How a term loan, invoice finance and a merchant cash advance compare, and how to choose.

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.

Whether a personal guarantee a partner signed binds you depends on the structure. How liability differs for partnerships versus limited companies.

A late filing rarely calls in a loan alone, but it can breach a covenant and warns lenders. How loan covenants and events of default work, and the real risk.

A commercial mortgage lets a UK limited company, LLP or partnership purchase or refinance business premises using the property as security. Applications...

Commercial 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,...

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.

FundBiz arranges specialty finance exclusively for UK limited companies, limited liability partnerships and traditional partnerships with four or more p...

Plain-English guides to UK specialty business finance: merchant cash advance, asset finance, bridging finance and VAT loans, written for limited companies.

Most lending to limited companies is not FCA-regulated. How the regulatory perimeter works, which borrowers get consumer-credit protection, and why it matters.

A merchant cash advance suits UK businesses that take card payments regularly. Lenders assess your monthly card turnover rather than credit scores alone...

Merchant 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...

A merchant cash advance (MCA) gives a UK business a lump sum of capital in exchange for a fixed percentage of future card takings until the advance and ...

A merchant cash advance uses a factor rate, not an interest rate, to set the total repayment amount. For UK limited companies and LLPs that take card pa...

A merchant cash advance is repaid through an automatic percentage of your daily or weekly card takings, not fixed monthly instalments. This means repaym...

A decline from a bank or mainstream lender does not close all funding routes for UK limited companies, LLPs and partnerships. Specialist lenders assess ...

An R&D advance lets UK limited companies borrow against an outstanding HMRC R&D tax credit claim, typically receiving 70 to 85 percent of the expected r...

Supply chain finance, or reverse factoring, lets a buyer extend payment terms while suppliers get paid early. How it works, when it pays back, and the risks.

Trade finance funds the gap between paying an overseas supplier and getting paid by your own customer. UK lenders offer purchase order finance, import l...

A VAT loan lets a UK business borrow the exact amount of a VAT liability, pay HMRC on time, then repay the lender in monthly instalments over three to t...

A VAT loan lets a UK business borrow the exact amount of its quarterly VAT liability, pay HMRC on time, and repay the lender in monthly instalments over...

A personal guarantee does not automatically put your home at risk, but it can. How a PG becomes a claim on your house, and how to limit the exposure.

Plain-English definitions of 40 UK specialty finance terms: factor rate, holdback, debenture, GGS, S455, FRS 102 leases, ECCTA, TTP and more.

UK business and asset finance statistics for , each linked to its primary source (FLA, British Business Bank, Bank of England, gov.uk).

Read-only public API and MCP server for verified UK specialty finance lender terms. REST endpoints, OpenAPI 3.1 spec, search_lenders tool. No auth, CC BY 4.0.

The FundBiz data hub: the verified UK Business Finance Lender Index, SME approval rates and alternative-finance costs, and a read-only data API. Free to cite with attribution.

How hard it is to get an SME loan and what alternatives cost: bank approval near 44%, and MCA factor rates of 1.1 to 1.5 imply an effective APR of 40% to 150%.

The UK Business Finance Lender Index: verified ticket range, typical rate, decision time, soft-search and FCA status, in one sortable table.

First-party research from FundBiz: the UK Specialty Finance Terms Index, the Lender Index and UK business finance statistics. Every figure links to a source.

The UK Specialty Finance Terms Index: soft-search, decision speed and product coverage across FundBiz lenders, plus a 29-reason decline map.

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...

Auction finance is a short-term bridging loan drawn within the 28-day completion deadline imposed by most UK property auction houses. It lets businesses...

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 SMBs use ...

Regulated bridging loans apply when a borrower or close family member will occupy the security property; unregulated loans cover purely commercial or in...

A bridging-to-term refinance replaces a short-term bridging loan with a longer-term commercial mortgage once a property is stabilised, tenanted or refur...

Dental practices, GP surgeries and care homes have financing needs that generic business loans rarely fit well: clinical equipment with short depreciati...

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...

Law firms, accountancy practices and consultancies face a distinctive cash flow pattern: work is done and billed weeks before it is paid, while partner ...

Commercial mortgages in the UK are assessed on two primary metrics: loan-to-value ratio and debt service coverage ratio. Owner-occupier and investment p...

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...

UK limited companies and partnerships can finance vans, lorries, and HGVs through hire purchase, finance lease, or contract hire, spreading the cost ove...

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.

How a limited company borrows a short-term lump sum to meet its HMRC corporation tax bill on time, repays over a fixed term, and keeps a clean record.

Development finance and bridging loans both provide short-term property funding, but they serve different purposes. Bridging covers gaps between transac...

How UK online retailers fund stock before sales land, using inventory finance, revolving credit, MCA and trade finance, and what lenders assess.

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...

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.

When a UK business faces an overdue tax liability, HMRC's Time to Pay arrangement is often the first option considered. However, a commercial loan or sp...

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...

Independent broker guidance on UK specialty SMB finance: merchant cash advance, asset finance, commercial mortgages, VAT loans and post-decline routing.

The holdback rate on a merchant cash advance determines how much of your daily card takings the lender collects until the advance is repaid. Rates typic...

A merchant cash advance uses a factor rate, not an interest rate, making true cost comparison difficult. Converting a factor rate to an APR reveals the ...

Merchant cash advances suit UK businesses with strong card or online sales but lumpy cash flow. Hospitality, retail and e-commerce operators are the mos...

How a limited company behind on PAYE clears the debt fast, prevents HMRC escalation, the loan types that fit, and how lenders view tax arrears.

Plant and commercial vehicle finance lets UK limited companies, LLPs and partnerships of 4+ spread the cost of diggers, forklifts, HGVs and vans over 2 ...

A lender decline is not a final answer. Most UK SMB applications fail for correctable reasons: a thin credit file, a recent CCJ, or a mismatch between t...

A lender decline does not close every door, but it does signal that your credit file or supporting documents need attention before the next application....

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...

Recruitment agencies pay temporary workers weekly but often wait 30 to 60 days for client payment, creating a structural cash gap. Dedicated recruitment...

How limited companies access interest-free, Sharia-compliant finance via FCA-regulated providers, and the Murabaha and Ijara structures used.

How the Bank of England base rate feeds into business loan rates, the bands by lender type, fixed versus variable, and how to reach the lower end.

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 one ...

A merchant cash advance suits UK businesses with strong card turnover but lumpy revenue, poor credit history, or urgent funding needs. Unlike a term loa...

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.

is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. He writes the FundBiz library.

The named team behind FundBiz. Real bylines, public credentials, and consistent ownership of every product lander, eligibility flow and post-decline guide.

directs Best Business Loans Ltd, the company behind FundBiz, and reviews the FundBiz library. UK commercial finance background.

Independent UK business finance comparison and introducer for limited companies, LLPs and partnerships of 4+: loans, asset finance, MCA, mortgages, and more.

FundBiz is the UK\

How FundBiz is designed to be easy to read and use, including the text-size control, site search, plain English glossary, and our aim to meet WCAG 2.2 AA.

How AI assistants should describe and cite FundBiz, a UK specialty SMB finance broker run by Best Business Loans Ltd. Entity facts and citation guidance.

How to reach FundBiz: applications, lender enquiries, complaints, partnerships and corrections.

The cookies FundBiz uses, what they do, how long they last, and how to accept, reject or change your choice. UK GDPR / PECR compliant.

FundBiz is a commercial finance introducer for limited companies. Our regulatory position, what our matcher does and does not do, and the limits of our advice.

How FundBiz writes its product landers, sector pages, post-decline guides and lender-panel disclosures.

Two-minute UK SMB finance eligibility check, soft credit search only. We score our specialty UK lender panel and surface the ones most likely to approve.

FundBiz is a UK commercial finance broker. We earn commission when introductions to lenders complete.

How FundBiz matches limited-company applicants to lenders. Our panel, the criteria the matcher uses, the weights, and how decisions are made.

How FundBiz collects, uses and protects your personal and business data when you use the eligibility checker or apply for finance. UK GDPR compliant.

Terms of use for FundBiz: who can use the service, our introducer role, fees and commission, applicant warranties, liability, complaints and governing law.

See every live registration holds: Companies House (), ICO data protection, D-U-N-S and OpenCorporates, each linked to its official register.

Release working capital from owned assets through refinance, sale and leaseback, or hire-purchase refinance.

Bad credit business loans UK: what counts as adverse credit, which finance types work after a CCJ or default, and the trade-offs. Ltd, LLP, 4+ partners.

Editorial best-business-finance listicles from FundBiz. Each ranks UK specialty lenders on weights specific to the intent: sector, speed, post-decline.

UK commercial bridging loans: short-term, asset-backed, 3-24 months. Property completions, auction purchases, refurbishment, transitional finance.

Loans to buy a business or fund an MBO: how UK lenders underwrite goodwill, the funding stack of term debt, asset finance and deferred consideration, and what the deal needs to show.

Compare UK business credit cards for limited companies: representative APR, annual fee, cashback and rewards. For Ltd companies, LLPs and partnerships of 4+.

Refused a business loan, after a default, or with a CCJ? A neutral broker explains who still lends by decline reason and when each specialist route wins.

UK business loan interest rates: the current Bank of England base rate, published lender rates with sources and dates, and typical ranges by product.

Can you get a business loan with no personal guarantee in the UK? What a PG is, which finance types are genuinely PG-light or PG-free, and the trade-offs.

Cash flow loans for UK companies: funding the timing gap between money out and money in. Seasonality, slow payers, stock ahead of demand. How to size and shape the borrowing.

UK commercial mortgages: owner-occupier and investment, £150k to £10m+, terms 5-25 years. Allica, OakNorth and high-street banks. Limited companies and LLPs.

UK property development finance: land plus build tranches, how GDV and LTGDV size the facility, drawdowns against monitoring, and the exit via sale or refinance. Ltd, LLP, 4+.

Fast business loans: realistic same-day and 48-hour timelines by product, what genuinely speeds an application up, and the instant-approval claims to distrust.

Find real UK business grants by stage, nation and purpose with our free grant finder. Honest guidance on what exists, the odds, and faster finance if not.

Guarantor business loans UK: what the term really means for a limited company, how director personal guarantees work, caps, risks and the no-guarantee routes.

Independent UK reviews of Sharia-compliant commercial finance: Al Rayan Bank, Gatehouse Bank, BLME, QIB UK and fintech Kestrl. Ltd, LLP, partnerships of 4+.

What underwriters check beyond the credit score: Companies House status, ECCTA director verification, beneficial-ownership clarity, account-filing health.

Limited company loans UK: borrowing in a company name, why lenders ask for a personal guarantee, what you need, and the finance types available.

UK merchant cash advance (MCA): how it works, who it fits, typical rates, named lenders we route to. £3.5k to £500k against daily card-machine takings.

The four criteria FundBiz scores each UK specialty finance lender on, how the editorial rating is built, the sources behind it, and when we refresh it.

Peer-to-peer (P2P) business finance UK: how platform and marketplace lending works, how it compares with a bank loan, and the FCA position.

UK R&D tax credit advance: cash now against your filed (or about-to-be-filed) R&D claim. £25k to £2m+. Specialist lenders only.

Stuck in an expensive MCA, a high-rate loan or a contract you want out of? A neutral broker maps the refinance and exit routes by facility type and what it costs to leave.

UK revenue-based finance (RBF): how it works, fixed-fee pricing, who it fits, and the named ecommerce lenders we route to. From a share of daily sales.

What a revolving credit facility is, how it differs from an overdraft, credit card or term loan, published UK pricing, and a worked example. Ltd, LLP, 4+.

Secured business loans UK: how borrowing against property, equipment or invoices cuts the rate and raises the ceiling, what counts as security, and the risks.

Short term business loans of 3 to 18 months: when short beats long, the true cost of monthly rates vs APR, speed by lender type, and post-decline routes. Ltd, LLP, 4+.

Free UK business finance templates to download or copy: 12-month cash flow forecast, profit and loss, and balance sheet, with worked examples and how a lender reads each.

Specialty UK SMB finance scenarios triggered by a specific event: HMRC enquiry, declined application, balloon due, sales collapse.

How FundBiz uses AI, checks facts, corrects mistakes, handles complaints and protects your data. One place for our editorial, AI-use and data standards.

Unsecured business loans UK: how they work, what a personal guarantee means, unsecured versus secured, and who qualifies. Ltd, LLP, 4+ partners.

What a VAT loan is, what it costs, how fast you get one, and VAT loan versus HMRC Time to Pay. Ltd, LLP, 4+. £5k to £500k, decision in 24 to 72 hours.

Compare UK cashback business credit cards for limited companies: cashback rate, representative APR and annual fee, and when cashback beats a low APR.

What business credit cards a UK startup or new limited company can realistically get, why lenders hesitate on thin trading, and the routes that work early.

Can you get a business credit card with no personal guarantee? Why most cards need a director guarantee, plus prepaid and spend-management routes that do not.

Funding for UK Amazon sellers: how Amazon Lending works, independent revenue-based alternatives, and how FBA inventory advances are priced and repaid.

Funding for UK online sellers: revenue-based finance, MCA, inventory and asset finance. How Shopify, Amazon and D2C brands fund stock and growth.

Shopify funding for UK stores: how Shopify Capital works, the independent alternatives that often advance more, and how revenue-based finance is priced.

Grants are free but scarce and slow; business loans are repayable but fast and widely available. How to choose, and what to do if a grant is not an option.

A practical step-by-step guide to getting a UK business grant: find schemes you fit, check the round is open, prepare a strong application, and plan a backup.

Free UK balance sheet template to download or copy, with a worked example and how a lender reads net current assets, net assets and gearing.

Free 12-month UK business budget template to download or copy, with a worked budget-versus-actual example and how a budget differs from a cash flow forecast.

Free 12-month cash flow forecast template for UK businesses. Download the CSV or copy it, with a worked example and how to read the forecast a lender asks for.

Free UK director's loan agreement template to download or copy, plus the s455 tax rules, the £10,000 benefit-in-kind threshold and board approval, sourced to gov.uk.

Free one-page UK business plan template to download or copy: nine short sections including the ask and use of funds, with what a lender reads first.

Free UK profit and loss template to download or copy, with a worked example and how a lender reads gross margin, operating profit and net profit.