Category

Business Loans

The small business loans section has in-depth advice articles and guides on how and where start-up companies and SMEs can get a UK business loan, whether from established commercial finance providers, online providers or even family and friends. SmallBusiness.co.uk are working in partnership with Funding Options to help you find the right finance for your business.

A business loan can be sought for many reasons but is typically used to either: start a new enterprise, fund expansion, fund major capital expenditures, or to cover operational costs that a company may otherwise be unable to afford (i.e. for cash flow reasons).

There are two key categories of loan – secured or unsecured – and both types can be made available over short, medium or long-term periods. There are a wide variety of lenders servicing the many different niches and almost all will usually approve business loans based upon the financial strength of the borrowing business and its perceived ability to earn a profit.

Borrowing money is a major step for a company and almost inevitably introduces a raised level risk. However, taking on debt in the form of a loan is also one of the commonest forms of financing small business operations. Our experts write about business loans from the perspective of the UK SME community and our aim is to help readers understand how small business loans work, the many options available, and how to compare and choose between them.

Ultimately, though, a business loan may not always be the best finance option, so we also encourage readers to look at other routes such as grants and the ever expanding alternative finance channels.

The transformation of the payday loan industry in the UK

Here, we look at the payday loan market and how it has shifted to ensure only the most responsible can operate in the space.

Business Loans

Business Loans

Commercial loan rates: Hidden fees

Here, we identify four of the most common fees 'hidden' in the small print of a commercial loan agreement that can sting your company in the long run.

Business Loans

Why debt could have the beating of equity for funding your business

In this piece, in association with ezbob, we look at the case for taking out a loan for your business.

Business Loans

Billions in loans up for grabs for small businesses 

HSBC has launched a £10 billion lending fund to support small and medium-sized enterprises in the UK.

Business Loans

How three companies received a start up loan

Here, we look at three small businesses and their efforts to secure finance through the Coventry and Warwickshire Reinvestment Trust.

Business Loans

Loan intermediaries markets growth: What you need to know

Looking at why banks need to receive funding with a higher liquidity risk than they would find in bank deposits.

Business Loans

A small business guide to property loans

Here, in this piece in association with Fundbird, we give a basic overview of the main commercial finance options available to you.

Business Loans

When the need for short-term finance rears its head

Here, in association with Everline, we look at the requirement of small businesses to consider a short-term loan and why an online operator may be the answer.

Business Loans

Getting a small business loan from a small business

Here, we look at community development finance institutions (CDFIs) and how they can assist small companies with finance. 

Business Loans

Getting a small business loan from community development finance institutions

Here, we look at community development finance institutions (CDFIs) and how they can assist small companies with finance. 

Business Loans

Why an individual or couple may benefit from a loan arrangement, and how it should be managed

Short-term loan company MYJAR discusses fair loan repayments.

Business Loans

Getting a business loan from a CDFI

Introducing community development finance institutions (CDFIs) and how to raise money from them as a small business.

Business Loans

Looking for alternative funding to banks

The reluctance of the banks to lend is well documented, and entrepreneur James Benamor argues that looking for an alternative is now the order of the day.

Business Loans

Majority of small businesses bootstrapped initially – with just 3 per cent achieving a bank loan

Almost three quarters of small company owners launched their new business venture with working capital of £2,000 or less, research finds.

Partner content

What is professional indemnity insurance?

Professional indemnity insurance provides cover if somebody sues your business and they allege that your advice caused financial loss or damaged their brand. It’s not just for accountants and lawyers but for anyone offering a personal service, even web designers

Partner content

What is public liability insurance, and does it cover Covid-19 claims?

Public liability insurance can cover your small business if a third party has an accident or injury. But does public liability insurance cover claims made against your business arising from Covid-19?

Partner content

Business insurance everything you need to know

Every small business may need to be insured at some level. But which policies are must-haves, and which are optional? Edward Murray guides you through the maze

Partner content

London & Partners Q&A — driving growth in the London startup ecosystem

In this Q&A, we explore how London & Partners' Business Growth Programme is driving economic growth and inclusion in the London startup scene