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Small Business Banking

Whether you’re just starting a new business, are an established SME or a sole trader, our small business banking section has an extensive selection of useful guides and advice for those seeking the best business bank account for their enterprise.

Key banking issues for UK entrepreneurs include bank charges, account fees and transaction costs, overdraft facilities, business credit cards, savings accounts, and business support services – all of which we cover here.

Loans scheme for start-ups falls flat

Last month the government launched a finance package to help struggling small businesses access bank loans, but SMEs say they aren’t seeing the benefits.

Small Business Banking

Small Business Banking

Business bank account as a small business

Do I need to open a business bank account or can I simply use my personal current account for my small business?

Small Business Banking

No guarantee of funding with the SFLG

The likes of The Body Shop and Waterstone’s used funding through the Small Firms Loan Guarantee (SFLG) scheme to get off the ground. But with banks now so reluctant to lend, some believe it’s time for an overhaul

Small Business Banking

Are banks backing your business?

SMEs tell us how the banking situation is affecting them.

Small Business Banking

BCC: Bank of England must cut rates

The longer the Bank of England takes to cut rates, the worse the economic situation will be, according to the British Chambers of Commerce's (BCC's) quarterly economic forecast.

Small Business Banking

Maximising business banking

A little relationship building can go a long way when it comes to you and your chosen bank. SmallBusiness.co.uk finds out how.

Small Business Banking

Small business credit cards explained

Business credit cards provide a simple and efficient means to pay for business goods, services and expenses using a credit facility. SmallBusiness.co.uk and Simply Business explain some of the key features.

Small Business Banking

Why should I use a business bank account?

My wife and I want to start a boarding kennels business. There are a wide range of business bank accounts available but why use one when all it seems to do is cost money. Why won't an ordinary account do?

Small Business Banking

Small business credit cards explained

Business credit cards provide a simple and efficient means to pay for business goods, services and expenses using a credit facility. SmallBusiness.co.uk and Simply Business explain some of the key features.

Small Business Banking

Why should I use a business bank account?

My wife and I want to start a boarding kennels business. There are a wide range of business bank accounts available but why use one when all it seems to do is cost money. Why won't an ordinary account do?

Small Business Banking

How interest rates affect your business

When it comes to the cost of borrowing, burgeoning UK ventures have rarely had it so good. Base interest rates are at historically low levels, having been on a downward trend since the late 1980s. But this could be about to change.

Small Business Banking

Credit history issues: A way around?

I have opened a retail shop in a busy area, I am seeking a business bank account to enable credit/debit card payments. I currently have a very poor credit history but until 5 months ago it was very good. I have a partner with a good credit rating. Will she be able to apply if I make her a shareholder as I have chosen to make the company limited?

Small Business Banking

Business bank account checklist

Charges and services vary a great deal from bank to bank so it pays to do your homework and find out what suits you and your business.

Small Business Banking

Keep your cash flowing

Without wanting to overstate the obvious, cash is the lifeblood of your business. Running out of it could finish you off. Cash flow is the balance of all the money flowing in and out of your business and forecasting it will make you better prepared for peaks and troughs throughout the year.

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