Buy equipment outright or finance it?
Paying cash for kit feels prudent, but draining your cash reserve has a hidden cost. This weighs buying outright against…
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How to Build a Working Capital Review Process for Your Limited Company
A monthly working capital review converts your financial data into actionable decisions — debtors, creditors, stock and cash…
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How to Chase Late Invoices as a Limited Company
A structured escalation process — from automated payment reminders to statutory demand — protects your cashflow without burning…
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How to Choose Between Finance Options for Your UK Limited Company
The right finance option depends on what you need the money for, how long you need it and what your balance sheet can support —…
Read →How to Forecast Seasonal Cashflow for Your Business
A twelve-month cashflow forecast that accounts for seasonal revenue patterns and fixed cost obligations lets you plan borrowing…
Read →How to Forecast a Cash Gap in Your Business
A cash-gap forecast translates your P&L outlook into an actual bank balance projection — identifying the gap weeks or months…
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How to Improve Your Debtor Days
Reducing debtor days is one of the fastest ways a UK limited company can release working capital — the goal is systematic process…
Read →How to Manage Supplier Payment Terms as a Growing Business
Extending supplier payment terms by even a fortnight can materially improve your working capital position — often without…
Read →How to Manage a Late-Paying Customer Without Losing the Account
Collecting from a slow-paying customer requires a structured approach that separates the payment issue from the commercial…
Read →How to Negotiate Better Payment Terms with Suppliers
Securing better payment terms from suppliers is a legitimate and often underused lever for improving working capital — the key is…
Read →How to Prepare Your Limited Company for Year-End
Starting your year-end preparation two to three months before your accounting date gives you time for legitimate tax planning and…
Read →How to Prepare for Due Diligence as a UK SME
Due diligence is less about impressing the counterparty and more about demonstrating that your business is exactly what you say…
Read →How to Read a Business Loan Agreement
Most loan agreement surprises come from clauses that are present but unread: covenants, events of default, and prepayment…
Read →How to Reduce Debtor Days in Your Business
Cutting your average debtor days by even a week can release significant working capital already sitting on your balance sheet —…
Read →How to Set Credit Limits for Business Customers
Effective credit limits protect your cash flow without unnecessarily restricting revenue — the discipline is applying a…
Read →How to Set Credit Terms for Business Customers
Clear credit terms — agreed in writing before the first invoice — are the single most effective tool for reducing late payment…
Read →How to Value a UK Limited Company for Sale or Finance
Business valuation is part art, part arithmetic: the right method depends on your sector and purpose, whether you are raising…
Read →How to Write a Business Plan for a Commercial Finance Application
A business plan for a finance application is not a vision document — it is evidence of repayment capacity presented to someone…
Read →How to Write a Funding Proposal for Business Lending
A well-structured funding proposal answers the lender's core questions before they ask them — purpose, repayment route and…
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How to account for a business loan in your books
When your company borrows, the loan is not income and the repayments are not simply an expense — getting the accounting right…
Read →How to apply for a business loan
The documents, the steps and what to expect when your company applies.
Read →How to apply for a business loan
Applying for a business loan is mostly about preparation. Get your figures, documents and reason for borrowing straight first,…
Read →How to avoid defaulting on a business loan
Default is almost always avoidable if you act early. It rarely arrives without warning: cash gets tight, a payment slips, then…
Read →How to borrow without a personal guarantee
A personal guarantee ties your home and savings to the company's debt. It isn't always unavoidable — with the right company…
Read →How to budget for Corporation Tax and VAT as a limited company
Corporation Tax and VAT are predictable obligations, but they catch underprepared companies badly. This how-to shows you how to…
Read →How to budget for a loan repayment
A repayment you have budgeted for is a repayment you will meet. Folding the loan into your monthly budget — as a fixed, protected…
Read →How to budget for your corporation tax bill
Corporation tax is due nine months and a day after your year end — long after the profit was earned and, too often, after the…
Read →How to build a 13-week cash flow forecast
A 13-week cash flow forecast takes an afternoon to build and then a few minutes a week to keep. This is the exact method — start…
Read →How to build a cash buffer for your company
A cash buffer is what carries your company through a bad month. Build one deliberately — set a target, feed it from profit,…
Read →How to build a cash reserve for your business
A cash reserve is the buffer that keeps a shock from becoming a crisis. Here's how big it should be, how to build it from…
Read →How to build a relationship with a lender
A strong lender relationship is built through consistent transparency and timely communication — not just at the point of…
Read →How to build business credit for a new company
Building business credit is a project you start on purpose, not something that happens by itself. A new company has no record to…
Read →How to build cash flow into your business plan
A business plan without a cash flow forecast is a wish list. Lenders and investors look past the optimistic revenue projections…
Read →How to calculate and improve gross margin
Gross margin is the share of every pound of sales you keep after the direct cost of delivering it. It's one of the most revealing…
Read →How to calculate interest cover for your business
Interest cover shows how comfortably your profits pay your interest. It is a first-glance test lenders use alongside DSCR, and it…
Read →How to calculate the true cost of a short-term facility
Short-term finance hides its cost in the shortness. A small charge over a few weeks becomes a big rate over a year. This…
Read →How to calculate what your business can afford
Affordability is about cash, not profit. This how-to gives you a clear method to work out the repayment your business can sustain…
Read →How to calculate your debt service coverage ratio
DSCR is the number underwriters trust most, and it takes two figures to work out. Cash available for debt service, divided by the…
Read →How to calculate your gearing ratio
Gearing shows how much your business leans on debt versus its own funds. It is a quick health check lenders run, and one you…
Read →How to calculate your working capital requirement
Your working capital requirement is the amount of cash your trading cycle ties up at any moment — and knowing it lets you size a…
Read →How to charge interest on late-paid invoices
Being paid late has a price, and the law lets you charge it. UK businesses can charge statutory interest and a fixed recovery fee…
Read →How to chase overdue invoices (without losing the customer)
Chasing invoices is not rude — it is running a business. The companies that get paid on time are simply the ones with a…
Read →How to check if your business can afford a loan
Before you apply for a loan, spend twenty minutes checking whether your business can comfortably afford it. It is the same test…
Read →How to check your business credit report
Checking your own credit report is the cheapest way to improve your chances of approval. It shows exactly what a lender will…
Read →How to check your company can afford to borrow
Run the lender's affordability test on yourself before you apply. Work out your free cash, check it comfortably covers the…
Read →How to check your eligibility before applying for a loan
Checking eligibility first saves an application you were never going to win. Before affordability is even assessed, you must meet…
Read →How to choose an accountant for your limited company
A good accountant is one of the highest-return relationships a company can have — the right one saves you more than they cost, in…
Read →How to choose between a fixed and variable business loan rate
Fixed or variable is a decision about certainty, not a bet on rates. The right choice depends on how tight your cash flow is, how…
Read →How to choose between a loan and a credit line
A term loan gives you a lump sum and a fixed schedule; a credit line lets you draw, repay and reuse as needed. The right one…
Read →How to choose between a loan and an overdraft
The right choice follows the shape of the need. A one-off, defined gap suits a loan; unpredictable, recurring swings suit an…
Read →How to choose between salary and dividends
The salary-versus-dividend split isn't guesswork — it's a short calculation. Work through it in order and you land on a blend…
Read →How to choose the right VAT scheme for your business
There is no best VAT scheme — only the best one for your cost profile, your customers and how your cash actually moves. Pick with…
Read →How to choose your company's year-end date
Your company's year-end date is set automatically when you incorporate — but it is rarely the best date for the business, and you…
Read →How to claim capital allowances on equipment
Buying equipment gives your company a tax deduction — but only if you actually claim it correctly in your corporation tax…
Read →How to compare any two finance options
Faced with two finance options and unsure which wins? This gives a repeatable four-lens method — cost, fit, flexibility and risk…
Read →How to compare business finance options
Comparing finance is not about chasing the lowest headline rate. This how-to walks you through a like-for-like comparison of…
Read →How to compare business loan offers fairly
The cheapest-looking loan is often not the cheapest. Comparing offers well means looking past the headline rate to the total…
Read →How to compare business loan offers properly
The lowest headline rate is not the cheapest loan. Comparing offers properly means translating every quote into the same units,…
Read →How to compare two business loan offers on true cost
Two offers, one honest comparison. The headline rate rarely settles which loan is cheaper. This is the step-by-step method to…
Read →How to complete a VAT return, box by box
A VAT return has just nine boxes, but each one is a trap for the unwary. Fill them from clean digital records and it takes…
Read →How to consolidate business debt, step by step
Consolidation is only worth doing if the numbers say so. The method is methodical: list every debt, work out what it costs to run…
Read →How to correct a VAT error
Everyone gets a VAT figure wrong eventually — the question is what you do next. Small errors you can fix on your next return;…
Read →How to cut costs without hurting revenue
The trick to cutting costs is knowing what not to cut. Slash indiscriminately and you kill the spending that brings in revenue,…
Read →How to cut the interest you pay on a business loan
Less balance, less time, lower rate — those are the three levers. You can cut the interest on a loan by shrinking the balance…
Read →How to decide how long to borrow for
Choosing a loan term is a balance of total cost against monthly pressure. This gives a method for picking the right length,…
Read →How to decide how much to borrow
Borrowing the right amount matters as much as the right product. This gives a method for sizing a facility to the need and to…
Read →How to decide if borrowing is worth the interest
Borrow only when the money earns more than it costs. The decision to take a loan comes down to one comparison: the return the…
Read →How to decide whether to borrow or use your reserves
Should you fund it from your own cash or borrow? Work through the return, the risk to your buffer, and the cost of the money —…
Read →How to declare a dividend correctly
Declaring a dividend is a legal act, not just a transfer. Get the steps right — check the profit, minute the decision, keep the…
Read →How to dispute or resolve a CCJ against your company
A CCJ is not always the last word. If it was issued in error you can challenge it; if it is valid you can satisfy it and limit…
Read →How to do a cash flow health check
A cash flow health check takes an hour and tells you whether your company is comfortably liquid or quietly sliding. Run through…
Read →How to do a stocktake for your limited company
A stocktake counts and values every item of inventory your company holds at a point in time. Done correctly, it feeds directly…
Read →How to extend your cash runway
When your runway is short, you have three levers — cut spending, bring cash in faster, and add cash — and using them in the right…
Read →How to file your company accounts at Companies House
Filing annual accounts at Companies House is a legal obligation for every UK limited company. This how-to covers the deadline…
Read →How to forecast your cash flow
A cash-flow forecast is simply a calendar of money in and money out, projected forward. Built well, it tells you exactly when…
Read →How to forecast your loan repayments into your cash flow
A repayment only makes sense inside your cash-flow forecast. Seeing it in isolation tells you little; dropping it into your…
Read →How to fund a large new order
A big new order is exciting and dangerous in equal measure — it can make your year or break your cash flow. This is how to take…
Read →How to handle a cash flow emergency
A cash flow emergency is survivable if you act fast, in order, and without panic. When you cannot pay everything due, the worst…
Read →How to handle foreign currency in your accounts
Trade across borders and your accounts have to deal with a moving target — exchange rates that shift between the day you agree a…
Read →How to improve cash flow before you borrow
Better cash flow means a bigger, cheaper loan. Since affordability is measured on the cash a lender can see, a few weeks spent…
Read →How to improve operating cash flow
Operating cash flow improves when you speed up money coming in and slow down money going out — without breaking anything. These…
Read →How to improve the rate a lender offers over time
A better rate is often earned before you ask for it. Beyond quick fixes, the durable way to borrow more cheaply is to make your…
Read →How to improve your business credit score
Your business credit score is built from your company's payment behaviour, public filings and credit usage — not from your…
Read →How to improve your business credit score
A business credit score responds to deliberate action. Most of what drags it is fixable, and most of what lifts it is habit. This…
Read →How to improve your company's credit score
Your company has a credit score of its own, separate from your personal one — and lenders, suppliers and insurers check it…
Read →How to lower the APR a lender offers your business
You can move the margin, and the margin is where the savings are. The reference rate is fixed by the market, but the margin on…
Read →How to lower your gearing before borrowing
Lower gearing makes a business easier and cheaper to lend to. It means leaning less on debt and more on the company's own funds…
Read →How to manage a supplier payment run
A structured supplier payment run replaces ad-hoc bill-paying with a controlled, predictable process. It protects your cash flow,…
Read →How to manage cash flow around tax deadlines
Tax deadlines are the most predictable cash events in your year — you know the dates months ahead — yet they cause more cash-flow…
Read →How to manage cash flow in a recession
In a downturn, cash flow management stops being good practice and becomes survival. Sales soften, customers pay slower, and bad…
Read →How to manage cash in a seasonal business
Seasonal businesses don't fail in the busy months — they fail in the quiet ones, when the cash earned at peak has run out before…
Read →How to manage loan repayments when interest rates rise
When rates climb, act early and deliberately. A rising benchmark lifts variable payments, but a calm, prompt response keeps it…
Read →How to minimise interest on a revolving credit facility
A revolving facility rewards discipline. Because interest accrues daily on what you draw, the way you use the facility — not just…
Read →How to negotiate a lower margin with a business lender
The margin is negotiable — if you come prepared. The reference rate is fixed, but the margin on top is priced to your risk and…
Read →How to negotiate better supplier payment terms
Extending the time you take to pay suppliers is free working capital — if you do it fairly and openly. Here's how to negotiate…
Read →How to pick between three finance offers
Three offers, all sounding fine? This gives a simple ranking method — normalise the cost, score the fit, weigh the risk — to pick…
Read →How to plan cash flow for a new financial year
A new financial year is the moment to look up from the day-to-day and map the cash road ahead. Plan it once, properly, and you…
Read →How to plan loan repayments around your cash flow
A repayment is easiest to meet when it lands where the cash is. Planning borrowing around your cash-flow pattern — its peaks,…
Read →How to prepare a board pack for a limited company
A board pack is the set of documents that lets directors review the company's performance and make informed decisions at a board…
Read →How to prepare a cash-flow statement
A cash-flow statement shows where your money actually came from and went over a past period — split into operating, investing and…
Read →How to prepare a funding application as a director
A strong funding application is prepared, not thrown together. Gather the right documents, tell a clear repayment story, and…
Read →How to prepare an annual budget for your business
A budget is a plan for the year in numbers — what you expect to earn, spend and keep — and running a company without one is…
Read →How to prepare for a business loan application
A well-prepared application is a faster, better-priced one. Most delays and declines come from missing information, avoidable…
Read →How to prepare for a business loan application
A strong application is mostly preparation. Lenders decide on what they can see, so the more clearly you present a healthy,…
Read →How to prepare for an HMRC VAT inspection
An HMRC VAT inspection sounds alarming, but for a business with clean records it is largely routine. The difference between a…
Read →How to prepare management accounts for lenders
Up-to-date management accounts are often the difference between a fast yes and a slow maybe. This how-to shows you exactly what a…
Read →How to prepare your accounts for a finance application
A lender's decision rests on your numbers — and how well you present them can be the difference between a yes, a maybe and a no…
Read →How to prepare your company for Making Tax Digital
Making Tax Digital is steadily replacing paper and manual filing across the whole tax system — VAT already, corporation tax…
Read →How to prepare your company for a finance application
Most finance applications are won or lost before they're submitted. Spend an hour getting your accounts, statements, purpose and…
Read →How to price in your cash flow cost
If it costs you money to wait to be paid, that cost belongs in your price. Businesses that ignore the cost of financing their…
Read →How to read a balance sheet
A balance sheet is a snapshot of what your company owns, what it owes, and what's left over for the shareholders on a single…
Read →How to read a business loan agreement
The agreement is the loan — everything else is marketing. Reading it well means checking the clauses that decide cost, risk and…
Read →How to read a business loan offer
A loan offer is a contract, not a quote. This how-to shows you exactly which clauses to check, what each one means and the red…
Read →How to read a business loan offer
A commercial loan offer contains terms beyond the headline rate — fees, covenants, and default triggers can significantly affect…
Read →How to read a loan amortisation schedule
An amortisation schedule tells you exactly where every payment goes. Once you can read it, you can see how much of each…
Read →How to read a profit & loss statement
A profit & loss statement walks from the money you earned to the money you kept, over a period of trading. Read top to bottom,…
Read →How to read a set of company accounts
A full set of company accounts can look impenetrable, but it always follows the same structure — and once you know the running…
Read →How to read your business credit score
A credit score is only useful if you know how to read it. The number sits on a band, each agency scores differently, and the…
Read →How to read your company's cash position
The bank balance lies. Your true cash position isn't what's in the account — it's what's genuinely available after committed…
Read →How to reconcile your business bank account
Bank reconciliation confirms that your accounting records and your actual bank balance agree. It catches errors, missing entries…
Read →How to reconcile your business bank account
Bank reconciliation is the discipline of matching your books to your bank statement, line by line, until they agree. It is the…
Read →How to recover your business credit after a default
A default is a setback, not a life sentence. Its weight fades with time and, more importantly, with fresh good behaviour. This…
Read →How to reduce stock holding and free up cash
The cash locked in your stockroom is often the easiest working capital to release. This is how to find it and free it — clear the…
Read →How to reduce the cost of a business loan
Most of a loan's cost is decided before you sign. The amount, the term, the rate structure and the state of your credit file all…
Read →How to reduce your corporation tax bill legally
There is a world of difference between paying the tax you owe and paying more than you owe — and closing that gap legally is…
Read →How to reduce your cost of borrowing
The cost of commercial borrowing is not fixed at the point of first offer — preparation, structuring, and evidence-based…
Read →How to reduce your debtor days
Debtor days measure how long customers take to pay you. Cutting them releases cash you've already earned — free working capital,…
Read →How to refinance a business loan
Refinancing pays only when the new loan beats the old one net of costs. The method is simple arithmetic: what is left to pay on…
Read →How to refinance your business debt
Refinancing replaces one or more existing debts with a new facility on better terms. Done well, it lowers cost or frees up cash…
Read →How to register your company for VAT
VAT registration is mandatory once your taxable turnover crosses the current threshold, and optional below it. This how-to walks…
Read →How to register your company for corporation tax
Incorporating at Companies House does not register you for corporation tax — that is a separate step with HMRC, and missing it is…
Read →How to request and check an early settlement figure
Never clear a loan early on guesswork. Before you settle, request a formal early settlement figure and check what is in it — the…
Read →How to review a loan before the fixed rate ends
Do not sleepwalk onto the reversion rate. When a fixed period ends, many loans roll onto a higher variable follow-on rate — and a…
Read →How to run a credit check on a new customer
Extending payment terms is lending — so check who you are lending to before you do. A quick credit check before you offer credit…
Read →How to separate business and personal finances
Mixing company and personal money is the root of most small-company financial mess. Separate them properly — accounts, cards, a…
Read →How to set a customer credit limit
A credit limit caps how much any one customer can owe you at a time — your circuit breaker against a single account taking you…
Read →How to set clear payment terms
Clear payment terms, agreed in writing before you start, are the foundation of getting paid on time. Vague or unspoken terms…
Read →How to set money aside for VAT and tax
The reason VAT and tax bills feel like ambushes is that the money was never separated from spendable cash. Fix that with a simple…
Read →How to set up a business expenses policy for your company
A clear expenses policy tells employees exactly what the company will reimburse, at what limits and with what evidence — avoiding…
Read →How to set up a limited company bank account
A limited company is legally separate from you, so it needs its own bank account — mixing company and personal money is one of…
Read →How to set up a purchase order system for your company
A purchase order system gives you control over what the company commits to spending before the invoice arrives. Without one,…
Read →How to set up a rolling cash flow forecast
A rolling forecast never expires — you add a new period every time one passes, so you always see the same distance ahead. Setting…
Read →How to set up and run a director's loan account properly
A director's loan account is only a problem when it's run carelessly. Set it up properly from the start and it's a simple, useful…
Read →How to set up payroll for your limited company
Setting up payroll is straightforward if you follow the steps in order. This how-to covers PAYE registration, software choices,…
Read →How to shorten your cash conversion cycle
Shortening your cash conversion cycle releases cash that is currently trapped in the gap between paying out and being paid. There…
Read →How to speed up customer payments
Getting paid faster is the cheapest cash flow improvement there is — it costs nothing and releases money you have already earned…
Read →How to spot predatory business lending
Most business lenders are legitimate. A minority rely on confusion, pressure and buried costs. This guide gives UK directors a…
Read →How to strengthen a business loan application before you submit
A stronger application means a better answer and a better rate. Most of what makes an application strong is done in the weeks…
Read →How to strengthen your company before applying for finance
A few weeks of preparation can turn a borderline application into an easy yes. Tidy your filings, clean the loan account, show…
Read →How to stress test a business loan before you commit
A loan that is only affordable in a good month is not really affordable. Stress testing checks whether the repayment still fits…
Read →How to stress-test a business loan against rate rises
Test the rise before it happens. If your loan is variable, a base-rate move changes your payment — so work out now what a rise…
Read →How to take deposits and stage payments
Getting paid as you go — a deposit up front, payments at milestones — is one of the most powerful cash flow tools available, and…
Read →How to take money out of your company correctly
Your company's money is not your money — it is a separate legal person, and taking cash out has rules. Do it correctly through…
Read →How to use a business loan to grow
Borrowing to grow only works when the return beats the cost of the money. This guide shows UK directors how to choose…
Read →How to value a small business
Whether you are buying, selling or planning ahead, knowing what a business is worth is one of the hardest and most important…
Read →How to value stock for finance and accounts
Stock is often a business's biggest current asset — and the trickiest to value. Here's how to cost it for your accounts, handle…
Read →How to work out how much to pay yourself as a director
Deciding your own pay is a balance of tax efficiency and what the business can spare. Work through it in order — the company's…
Read →How to work out the APR on a business finance quote
Any quote can be turned into an APR — and until you do, you cannot compare fairly. Whether a lender gives you a flat rate, a…
Read →How to work out the total cost of a business loan
The true cost of a loan is one figure, and it takes a minute to find. Add up everything you repay, take off what you borrowed,…
Read →How to write a cash-flow forecast
A cash-flow forecast maps when money actually enters and leaves your business bank account — it is distinct from profit and tells…
Read →How to write a strong business loan application
A strong application isn't about persuasion — it's about giving an underwriter a clear, honest, well-evidenced picture so they…
Read →Loan or credit line: a decision guide
The right pick between a loan and a credit line comes down to the shape of your need. Work through these four questions to land…
Read →What to do if your loan application is declined
A decline is information, not a verdict. Most reasons are fixable. Here's how to find out what went wrong, repair it, and…
Read →Which finance for a commercial property deposit
A commercial property deposit is a specific, time-pressured need. This compares a short-term loan, bridging and a commercial…
Read →Which finance for a franchise
A franchise blends a franchise fee, fit-out, equipment and working capital. This compares franchise finance, a business loan and…
Read →Which finance for a large one-off order
A big order you cannot fund from cash is a good problem. This compares a short-term loan, purchase order finance and a revolving…
Read →Which finance for a management buyout
A management buyout blends several funding layers. This compares acquisition finance, vendor loans, equity and working capital…
Read →Which finance for a marketing push
Marketing spend precedes the revenue it drives. This compares a short-term loan, a revolving line and a card for funding a…
Read →Which finance for a new company
A new company lacks the track record lenders like, but has options. This compares the finance most open to young businesses, and…
Read →Which finance for a rebrand or new website
A rebrand or website is an investment before a return. This compares a short-term loan, a revolving line and a card for funding…
Read →Which finance for an unexpected bill
A surprise repair, bill or claim can blindside cash flow. This compares a revolving line, a short-term loan and a card for…
Read →Which finance to bridge a contract win
A won contract often needs funding before the first payment lands. This compares a short-term loan, invoice finance and a…
Read →Which finance to clear an expensive debt
An expensive debt — an MCA, a carried card balance, a costly short loan — drains cash. This compares refinancing, consolidation…
Read →Which finance to cover a commercial rent deposit
A commercial rent deposit can tie up several months' rent at once. This compares a short-term loan and a revolving line for…
Read →Which finance to cover a payroll shortfall
A payroll shortfall is urgent and recurring risk. This compares a revolving line, a short-term loan and invoice finance for…
Read →Which finance to cover a seasonal stock build
Building stock before a peak ties up cash months ahead of the sales. This compares a revolving line, a short-term loan and stock…
Read →Which finance to cover a slow quarter
A slow quarter in an otherwise healthy business is a timing problem. This compares a revolving line, a short-term loan and…
Read →Which finance to cover a supplier payment
A supplier bill due before your customers pay is a classic timing gap. This compares a revolving line, a short-term loan and…
Read →Which finance to cover a tax bill after an enquiry
An unexpected liability after an HMRC enquiry can be sizeable and sudden. This compares a short-term loan, a revolving line and…
Read →Which finance to expand or fit out premises
Expanding premises blends property, fit-out and working-capital costs. This compares a short-term loan, asset finance and a…
Read →Which finance to fund a bulk-purchase discount
A bulk-purchase discount can be worth borrowing for — if the saving beats the finance cost. This compares a short-term loan and a…
Read →Which finance to fund a business acquisition
Buying a business blends several funding sources. This compares acquisition finance, a commercial loan, equity and a short-term…
Read →Which finance to fund export orders
Export orders often mean longer waits and bigger gaps. This compares trade finance, invoice finance and a short-term loan for…
Read →Which finance to manage seasonal swings
Seasonal businesses spend before they earn. This compares a revolving line, a short-term loan and invoice finance for smoothing…
Read →Which finance to restock after a busy period
A busy period can leave shelves empty and cash tied in receivables. This compares a short-term loan and a revolving line for…
Read →Which finance to smooth lumpy cash flow
Lumpy, unpredictable income makes planning hard. This compares a revolving line, invoice finance and a short-term loan for…
Read →Which finance to take on a bigger premises lease
A bigger lease means a deposit, fit-out and higher running costs before the space pays off. This compares a short-term loan,…
Read →Which finance to use for a Corporation Tax bill
A Corporation Tax bill can land nine months after year-end, when the cash is gone. This compares a short-term loan, a revolving…
Read →Which finance to use for a VAT bill
A VAT bill landing in a thin month is a classic cash squeeze. This compares a short-term loan, a revolving line and a dedicated…
Read →Which finance to use to buy stock
Buying stock ahead of sales is a classic cash squeeze. This compares a short-term loan, trade finance, stock finance and a…
Read →Which finance to use to hire staff
New hires cost money before they earn it. This compares a short-term loan, a revolving line and invoice finance for bridging the…
Read →Which finance to use when customers pay late
Late-paying customers are the classic cash trap. This weighs invoice finance, a revolving line and a short-term loan for bridging…
Read →Which finance when a customer goes bust
A customer going under can leave a sudden cash hole. This compares a short-term loan, a revolving line and invoice finance for…
Read →Which finance when tax and VAT bills clash
When a Corporation Tax bill and a VAT quarter land together, the squeeze doubles. This compares a short-term loan, a revolving…
Read →Which finance when the company has poor credit
A patchy credit record narrows the options but does not close them. This compares finance more open to weaker-credit businesses,…
Read →Which finance when you need money fast
When money is needed fast, some options move in days and others in weeks. This compares the fastest routes and what actually…
Read →Which funding for an R&D project
R&D projects have unusual funding options — grants, tax relief, equity — but each has a lag. This compares them with a short-term…
Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.