Post-tax-year cash flow check-up: smart ways to use an unsecured loan in May
Cash flow shortages are one of the most popular reasons businesses seek extra funding, with 7 out of 10 businesses pursuing funding due to cash flow needs. After wrapping up your tax year, May could be a good time to check in with your cash flow health, and if you do spot potential gaps or opportunities, an unsecured business loan could be the answer to helping you cover those gaps, even if you don’t have assets to use as collateral.
8 May 2025
Finance lease vs operating lease: Which is right for your business?
Leasing equipment and assets allows businesses to preserve cash flow while accessing the latest technology. In the UK, total asset finance new business reached a record £39.7 billion in 2024, growing by 3% year-on-year, driven by robust demand across sectors—even as some industries face headwinds. Understanding the distinctions between a finance lease and an operating lease is essential for making the best choice for your balance sheet, tax treatment, and operational flexibility.
7 May 2025
Fund-based and non-fund based credit limits
Find out what fund-based and non-fund based credit limits are, what the difference between them is, and which might suit your business most.
28 Sept 2021
3 ways to invest in your business in 2023
Investing in your business can provide it with the cash flow stimulus it needs to trade and grow confidently. There are various ways to invest in your business, including through debt funding, reinvestment and private equity. The route you choose will depend on your own circumstances and goals. Let’s take a closer look at how your investing in your business could take shape in 2023.
21 Dec 2022
11 ways to avoid cash flow problems
As a predominantly service-driven economy, the UK relies on consumers to spend, with seasonal fluctuations also having a considerable impact on the daily cash requirements of small businesses. Here, we'll discuss methods to improve your cash flow throughout the year to avoid potential issues and predict when you might need to access additional funding.
9 Dec 2022
Commercial bridging loans explained
A commercial bridging loan is a type of short-term funding. For example, as a business owner you might use a bridging loan to cover the cost of a purchase while you wait for the sale of the asset you’re selling in order to purchase it to go through. The term ‘bridge’ is very revealing: essentially, the finance bridges a gap in funding until long-term funding is secured. Bridging loans are commonly associated with property purchases, but they can in fact be used for a range of business purposes.
6 Dec 2022
5 small business loans you can use to expand your business
Whether you’re looking to increase turnover, purchase new equipment, expand into a new location, or take advantage of upcoming growth opportunities, business finance can provide you with the funding boost you need to reach your goals. Here are 5 types of business finance that can be used to fund expansion.
25 Oct 2022
Submission of 31 October tax return – who does it apply to?
If you’re submitting your tax return through the post as opposed to doing it online, the deadline is midnight on 31 October 2022. Should you miss this deadline, you’ll pay a late filing penalty of £100 if your tax return is up to 3 months late – and more thereafter.
17 Oct 2022
How to become a the trusted advisor to your clients
On 21 September 2022, our Head of Commercial, Thomas Boyd hosted a live discussion in conjunction with the Institute of Financial Accountants (IFA) to discuss the role of Advisor to SMEs as they navigate their business through the economic downturn. The panellists also discussed how business advisors can utilise technology to help their clients prepare, scale and grow their business.
14 Oct 2022
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