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Think it through before you borrow.
Short, product-neutral notes to help you weigh up business finance — no rates, no sales pitch, just the questions worth answering first. When you are ready to put numbers to it, the figures and the application live on the lender.
Four short reads
Each takes a single decision most business owners face and lays it out plainly. Pick the one nearest your question.
Working capital or a lump sum? Matching the finance to the job
A one-off cost and an ongoing gap are different problems. A quick way to tell which shape of business finance actually fits before you apply.
Read the note
What a lender looks at when a limited company applies
Trading history, cash flow, the exit — the handful of things that shape a business-finance decision, and how to have them ready before you start.
Read the note
Reading the true cost of business borrowing
Headline rate, fees, term and total repayable are not the same number. How to compare two offers on a like-for-like basis without getting caught out.
Read the note
Right-sizing: borrowing enough, but not too much
Under-borrow and you stall halfway; over-borrow and you carry cost you did not need. A short method for landing on the right number.
Read the noteReady for figures?
The rates, terms and application are on the lender
These notes stay deliberately general. When you want real amounts, pricing and terms — or to start an application — head to the lender, where every figure is set out and kept current.
Related links
The notes are the thinking; the doing happens on the lender and the detail on the group site. A few useful jumps: