Funding products.

An honest, structured explanation of every major SME funding product available in the UK. Each page follows the same shape — what it is, when it works, when it's the wrong choice, what it really costs — so they're directly comparable.

Use these pages whether you're researching a single product or weighing two against each other. Nothing here is paid placement. Nothing is ranked by commission.

The library

Nine products, nine pages.

Invoice finance

Borrowing against unpaid B2B invoices. Funding scales with your sales ledger.

Best for growing B2B businesses on 30+ day terms.
All-in cost typically 1.5–3% of turnover.

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Asset finance

Hire purchase, finance lease, operating lease, and refinance. Fund or unlock value from physical assets.

Best for businesses acquiring vehicles, machinery, or equipment.
APR typically 5–12% depending on asset and structure.

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Revolving credit facility

A pre-agreed limit you can draw, repay, and draw again. The flexible alternative to an overdraft.

Best for profitable businesses with recurring, variable working capital needs.
APR 7–18% on drawn balance, plus commitment fee.

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Asset based lending

A single facility against receivables, stock, plant, and property. The mid-market workhorse.

Best for £10m–£200m turnover, asset-rich, M&A or restructuring.
Setup 8–16 weeks.

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Bridging finance

Short-term property-secured loans. Speed is the product.

Best for a clear asset and a credible exit inside 12 months.
All-in cost 12–20% of loan over 12 months.

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Term loans

Lump sum, repaid in scheduled instalments. The default for predictable use of funds.

Best for capex, acquisitions, refinancing.
APR 5.5–18% depending on security and profile.

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Merchant cash advance

Cash today, repaid as a slice of every card transaction. Fast, accessible, costly.

Best for a narrow set of short, well-understood gaps.
APR-equivalent typically 25–55%.

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Supplier finance

Buyer-led early payment, priced off the buyer's credit rating not the supplier's.

Best for SMEs selling into investment-grade buyers.
Discount rate 1.5–4% over base.

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Trade finance

Funds the gap between paying a supplier and getting paid by a customer on goods trades.

Best for established importers and exporters with repeat trades.
Margin 2.5–6% over base on funds drawn.

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How to use the library

Three ways in.

If you already know the product you're considering, go straight to its page. Each one stands alone.
If you're choosing between two — invoice finance vs overdraft, term loan vs revolving credit — read both pages back-to-back. Comparison pages are coming and will sit alongside these.
If you don't know what you need, the How it works page is the better starting point.

Each page is updated as products, rates, or rules change. The figures shown are indicative — actual pricing depends on the lender, your business, and the specific transaction.