Joe Morley

Joe Morley

Head of Unsecured Lending

Joe has worked in the alternative lending space since 2015. During this time he has helped hundreds of SMEs access millions in essential funding ranging from long-term asset-backed lending to short-term unsecured revolving credit lines and beyond. In his role, Joe manages and supports a large team of Credit Finance specialists.

Tax 2022
Education

Key tax dates and deadlines for 2022

For many, the beginning of a new year is a time for setting goals and getting organised. To help, we’ve put together a list of important tax-related dates to keep in mind throughout the year. Be sure to prepare for them in advance to avoid any unnecessary penalties.

18 Jan 2022

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Social media image of food
Education

How to raise funds to start a restaurant

Starting a restaurant business isn’t for the faint-hearted or uncommitted. On paper, it looks easy - find the premises, give the place a fresh lick of paint (you can roll your sleeves up too) and get new flooring. Then buy a new cooking range, plates, pots, pans, utensils, cutlery and uniforms. Hire a mix of permanent and part-time staff, place a few local ads, create a buzz on social media, and voila! You’re good to go. If only it were that easy.

20 Jan 2022

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Woman working at her computer
Education

How to create a business project report to get an SME loan

Before you begin your search for an SME loan for a specific project and commit to an application, you need to create a detailed project plan covering every crucial aspect of your business.

12 Dec 2021

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Rows of bulb lights lit up
Business Energy

How SMEs can improve their energy efficiency to save money

With the energy price cap rising and gas prices at a record high, saving money on energy has risen to the top of the agenda for many UK firms. So how can SMEs reduce the amount of energy they use to save money, and is now the right time to switch energy suppliers?

19 Nov 2021

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Keeping up with loan repayments
Education

What happens to a business loan if the business fails?

As soon as a payment is missed, this is considered defaulting and lenders will still need their payment in full. Typically, it’s 2-3 payments before they find other ways of getting the payment from you. Depending on the type of loan you’ve taken out and the agreed terms you’ve signed, defaulting on a payment can mean anything from developing a poor credit rating, high fees and even having assets repossessed. We explore how you can avoid missing payments, what to do if you’re unable to pay and explore what happens to a business loan when a company fails.

22 Oct 2021

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Menswear shop window display with discounts
Customers

How can businesses prepare for the Christmas period?

For many businesses – especially those operating in the retail and hospitality sectors – Christmas can be one of the busiest times of the year. Preparing your sales and marketing strategies ahead of time is key, and with a bit of research, you can use changing consumer spending habits to your business’ advantage.

19 Oct 2021

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Electricity pylon
Business Energy

Business energy myth buster – 3 myths debunked

With wholesale energy prices at a high and firms fearing an uncertain winter, now could be a good time to explore business energy deals. In this article, we debunk some of the common myths around switching energy suppliers.

19 Oct 2021

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Funding Options X Addition
Advisory

Complete guide to finances & funding for small businesses

Applying for business funding can be an exciting, yet sometimes overwhelming, step in the business journey for any entrepreneur or business founder. Whether it’s government grant schemes or [business loans](https://www.fundingoptions.com/knowledge/business-loans/), there are a lot of options out there in the lending market, and knowing how to navigate the options (and when) to access them is crucial for any SME.

6 Oct 2021

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funding your business
Education

Fund-based and non-fund based credit limits

Working capital finance can be divided into fund-based and non-fund-based credits. The difference between the two is whether they’re physical funds or guaranteed by assurance. We explore both funding options and why they’re a great option for any business looking for capital to help grow.

28 Sept 2021

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