Business finance, explained clearly.
Practical guidance for UK business owners comparing funding options — business loans, invoice finance, asset finance, commercial mortgages, bridging and development finance, and working capital for cash flow.
Each guide explains how a facility works, what lenders look for, typical costs and security, and how to prepare a business finance application that stands up to scrutiny.
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Bridging Finance: When Short-Term Property Finance Makes Sense
An expert, comprehensive guide to UK bridging finance: how short-term property loans work, when they make financial sense, how lenders evaluate exit strategies, LTV limits, interest structures, and key borrower considerations.
Property Development Finance: What Lenders Actually Look At
A detailed technical guide to how UK development finance lenders evaluate projects: Gross Development Value (GDV), Loan to Cost (LTC), development appraisals, planning conditions, monitoring surveyors, drawdowns, and exit options.
Invoice Finance vs Overdraft: What UK Businesses Actually Need to Know
A practical commercial comparison between business overdrafts and invoice finance for UK SMEs. Compare funding scalability, cost structures, cash conversion cycles, factoring vs discounting, and eligibility requirements.
Commercial Loan Preparation Guide: What UK Lenders Require
A comprehensive checklist and guide explaining the documents, financial metrics, debt service coverage ratios (DSCR), and security packages UK commercial lenders require before approving term debt.
Unsecured Business Loans for UK Limited Companies: Eligibility, Rates & Personal Guarantees
A comprehensive guide to unsecured business loans for UK limited companies: interest rates, credit score criteria, turnover requirements, personal guarantees, and how commercial lenders evaluate applications.
UK Commercial Mortgages: Rates, Deposit Requirements & Lending Criteria Guide
A comprehensive guide to UK commercial mortgages: deposit requirements (20% to 30%), current commercial interest margins, owner-occupier vs commercial investment, and how lenders calculate Debt Service Coverage Ratios.
HMRC Tax Loans for UK Limited Companies: Funding VAT, Corporation Tax & PAYE
A comprehensive UK guide to HMRC tax loans for limited companies: how to fund quarterly VAT bills, Corporation Tax liabilities, and PAYE arrears, comparing commercial tax loans against HMRC Time to Pay (TTP) arrangements, interest rates, eligibility, and fast-track approval.
Asset Finance for UK Limited Companies: Hire Purchase, Leasing & Tax Benefits
A complete guide to UK asset finance for limited companies: comparing Hire Purchase (HP), Finance Lease, and Operating Lease, tax benefits under UK Full Expensing capital allowances, balloon payments, and refinancing existing equipment.
Merchant Cash Advance UK: How Business Cash Advances Work for Limited Companies
An in-depth guide to UK Merchant Cash Advances (MCA) and revenue-based financing: how borrowing against card machine sales works, factor rates vs APR, automated repayments, eligibility criteria, and alternative cash flow options.
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BusinessLending.uk is a commercial finance introducer, not a lender. No upfront fees. Subject to provider assessment.