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Funding Options Blog

The growth hub for small and independent businesses

Restaurant
Education

How to use a restaurant business loan to finance your expansion

If you’re running a successful restaurant, you might be thinking about expanding to a new location. Growth in any sector can be challenging, so it’s important to have a solid plan in place and understand the different finance options available to you.

28 Sept 2022

Man looking at phone
Education

Which should I choose: invoice factoring or invoice discounting?

Waiting weeks or even months for invoices to be paid can put pressure on any business’s cash flow. But invoice factoring and discounting can ease the burden. Both invoice factoring and discounting enable businesses to unlock the cash tied up in their unpaid invoices. Factoring and discounting are types of invoice finance, and there are some key differences. So, which one is most suitable for your needs?

27 Sept 2022

Flats
Education

Is it difficult to get a loan for a commercial property?

Businesses buy commercial property for a variety of reasons: they might want to purchase a premises for their business, or add to their buy-to-let portfolio, for instance. Yet many business owners lack the cash to be able to buy commercial property outright, and this is where commercial property finance comes in. But how accessible are commercial property loans, exactly?

26 Sept 2022

alternative funding options
Education

10 alternative funding options for small businesses

Despite not always being easy for a business to get a bank loan, several 'alternative' finance options cater to a more specialised market, offering increased flexibility around guarantees and repayment terms. Read on to learn more about the alternative funding options your business should consider.

11 Sept 2022

Thank you for shopping local
Education

8 obstacles that keep you from getting a small business loan

There comes a time – or even a few – when additional funding is required in many businesses’ lifecycles. However, there are a few factors that can stand in the way. Let’s look at the main obstacles to funding and how businesses can overcome them.

21 Aug 2022

Woman driving
Education

What capital allowances can you claim for your business?

As a business owner, you can claim capital allowances for assets you buy and use in your business. These assets are called 'plant and machinery' and cover a range of equipment, machines and business vehicles. Capital allowances enable you to deduct part or all of the item's value from your profits before tax. Here's what to expect.

14 Aug 2022

Cash machine
Education

8 things to consider when choosing a bank for your small business

Having a business bank account will help you to keep your business and personal transactions separate. If you run a limited company or incorporated company, you usually won’t be allowed to use a personal account in place of a business one. Finding a business bank that suits your business’ needs and plans is important, but it’s not always easy. That’s why we’ve put together a list of things for you to consider.

9 Aug 2022

Paper clips
Education

What are the top pros and cons of unsecured business loans?

Lots of businesses – even the most profitable – require business loans to fund their financial needs. Whether you need finance to take your company to the next level or manage your day-to-day cash flow, you could use an asset to secure finance. But what if you don’t own assets? Is it possible to get a loan if you’re unable or don’t want to offer security? Yes – that’s where unsecured business loans come in.

7 Aug 2022

Business Credit Cards: The Safety Net for Cash Flow
Education

Business Credit Cards: The Safety Net for Cash Flow

Cash is king for businesses, but it doesn't always flow steadily – especially in times of economic uncertainty. A business credit card can be a short-term safety net when cash is tight, or your business needs to cover an unexpected cost. Here's what to expect. 

21 Jul 2022

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