Funding Options Blog

Home of our blog articles on topics that will inform and educate entrepreneurs on topics such as lending, green finance, tax and financial matters.


What are late payment fees?

Running a business can be time consuming and challenging, so when it comes to making sure your invoices are settled many business owners simply don’t have time to chase. Late payments are a common issue for small business owners and by applying a late fee payment on invoices, SMEs apply another layer of legislative protection.

9 Aug 2021

using late payment fees

What is the standard late fee on an invoice?

Late fees are often included within invoices as a penalty for customers that don’t pay their bills on time. Used by businesses of all sizes, late payment fees are used to encourage customers to pay their invoices on time. This then prevents business owners from needing to resort to short-term loans to pay their bills.

8 Aug 2021


What is EBITDA?

The acronym EBITDA stands for ‘earnings before interest, taxes, depreciation and amortisation’. It’s a metric business owners use to look at their operating performance. EBITDA can be considered as a substitute for cash flow for businesses to help them understand their current financial performance.

5 Aug 2021

merchant cash advance

5 things to know about merchant cash loans

If your business uses a cash terminal and takes card transactions, you could benefit from a merchant cash advance to help grow your business and enjoy a flexible repayment plan.

4 Aug 2021

what is a creditor

What is a creditor?

A creditor is an individual or business that lends money to another individual or business through providing products or services to them. As soon as they provide the service or product or simply give the loan they become a creditor as they’re owed the money back.

1 Aug 2021

debtor days

What are debtor days and should I use them?

Debtor days refers to the time a business waits to be paid by their customers which can be anything from 10 to 90 days, depending on the size of the business and the product or service they trade. Debtor days are usually compared to stock days which refers to how long you have stock for tying up cash flow until it’s sold.

27 Jul 2021


What does the mass exodus from London mean for businesses?

Some headlines would have you believe that people are leaving London in their droves, leading to a redistribution of businesses across the UK. But is this really the case? We take a closer look at the facts to determine how this shift could impact businesses.

18 Jul 2021

retail businesses bounce back

5 types of finance available for retail businesses

After a long period of closure, retail businesses are now back open and able to welcome customers in again. However, this has meant many businesses in the retail sector are finding it difficult to keep up with their cash cycles and outgoings for essentials such as stock, staff and rent. We take a look at some of the different facilities available to business owners who are looking for financial support within the retail sector.

28 Jun 2021

opening hospitality businesses

6 types of financial support for hospitality businesses

As the UK’s hospitality sector emerges from the COVID-19 pandemic, the businesses hit hardest such as pubs, restaurants and hotels are likely to need financial support to help keep their doors open once more. Our blog explores the financial options available for hospitality businesses looking for cash flow support.

23 Jun 2021


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