Business finance, explained straight
Seven ways limited companies fund growth, wages, VAT bills and the gap between invoicing and getting paid. Each guide covers what it really costs, who it suits, and where it bites.
| Product | Best for | How it's repaid | Watch for |
|---|---|---|---|
| Merchant cash advance | Card-heavy companies that need money fast | A share of card takings | Factor rates hide a high APR over short terms |
| Revolving credit facility | Uneven cash flow, repeat short gaps | Only on what you draw | Non-utilisation and renewal fees |
| Business loan | One-off investments with a clear payback | Fixed monthly repayments | Early repayment charges, personal guarantees |
| Asset finance | Vans, machinery, kit | Fixed repayments, secured on the asset | Balloon payments and option-to-purchase fees |
| Invoice finance | B2B companies waiting 30–90 days to be paid | When your customers pay | Minimum fees and long notice periods |
| Revenue-based finance | Recurring or online revenue | A share of monthly revenue | The cap on total repayment |
- Working capital finance: what it is, what it costs, and which kind fits your companyHow working capital finance works for UK limited companies: the main products, how the cost adds up in pounds, what funders check, and the red flags to avoid.Read the guide
- Merchant cash advances: how they work, what they really cost, and when they make senseA merchant cash advance swaps future card takings for cash now. How factor rates and holdback work, the real APR in pounds, and what to check first.Read the guide
- Revenue-based finance: repay from a share of sales, and know what that share really costsRevenue-based finance repays from a share of your company's sales until a fixed total is paid. How the cap works, the APR in pounds, and who it suits.Read the guide
- Revolving credit facilities: draw what you need, repay, draw againA revolving credit facility lets a limited company draw, repay and redraw up to a limit, paying interest only on what it uses. Costs, terms and what to check.Read the guide
- Asset finance: get the equipment now, pay for it while it earnsAsset finance spreads the cost of equipment, vehicles and machinery over time. Hire purchase vs leasing, how the cost works in pounds, and what funders check.Read the guide
- Business loans: fixed instalments, a clear end date, and the small print to read firstHow unsecured and secured business loans work for UK limited companies: the cost in pounds, personal guarantees, debentures, and what funders check.Read the guide
- Invoice finance: get paid on your invoices now, not in 60 daysInvoice finance advances most of the value of unpaid invoices. Factoring vs invoice discounting, how the fees work, and what UK funders check before agreeing.Read the guide
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Two minutes of questions. One funding specialist. No impact on your credit score.