Finance and Funding

Tips and advice on finding small business loans and other funding for your enterprise

Most businesses need a bit of help with finance at some stage – whether it's for startup or growth. You might need funding for a dip in revenue or cash flow, or for new equipment or recruitment. In this section we'll explain how to prepare for the process and look at the options from banks, investors, alternative lenders or business grants, and what the implications are for your business.

How to Avoid Early Repayment Charges

How to Avoid Early Repayment Charges

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How to Avoid Early Repayment Charges

If you’re taking out a business loan, you may wish to repay it early. But how can you avoid early repayment charges? Find out in Fleximize’s handy guide

How to Download a Bank Statement

How to Download a Bank Statement

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How to Download a Bank Statement

A simple guide to downloading a bank statement from all of the major banks, including Lloyds, Barclays, NatWest, HSBC, Nationwide, Santander and RBS

Card Surcharge Ban: How SMEs Can Offset the Cost

Card Surcharge Ban: How SMEs Can Offset the Cost

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Card Surcharge Ban: How SMEs Can Offset the Cost

It's now illegal for businesses to charge customers for debit and credit card payments. How can companies manage the impact of the card surcharge ban?

Open Banking: What Does it Mean for SMEs?

Open Banking: What Does it Mean for SMEs?

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Open Banking: What Does it Mean for SMEs?

The launch of Open Banking in the UK could end the banks' dominance of the financial services sector. But what benefits, if any, will this have for SMEs?

Cryptocurrencies: What Does the Future Hold?

Cryptocurrencies: What Does the Future Hold?

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Cryptocurrencies: What Does the Future Hold?

With more people buying and trading in cryptocurrencies, some have suggested they could eventually replace traditional currency. But how likely is that?

Asset-Based Finance: a Guide for Small Businesses

Asset-Based Finance: a Guide for Small Businesses

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Asset-Based Finance: a Guide for Small Businesses

Is asset-based finance a good fit for your business? This guide examines the pros and cons of factoring, invoice discounting and asset-based lending

Debentures: A Beginners' Guide

Debentures: A Beginners' Guide

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Debentures: A Beginners' Guide

If you're looking to apply for a business loan or overdraft, you might be asked to agree to a debenture. Here's everything you need to know about debentures

Secured and Unsecured Loans Explained

Secured and Unsecured Loans Explained

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Secured and Unsecured Loans Explained

When applying for business funding, you might get quotes for secured and unsecured loans. What's the difference between these two types of business finance?

Choosing the Best Payment Options for Your Business

Choosing the Best Payment Options for Your Business

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Choosing the Best Payment Options for Your Business

All businesses need to offer the right payment options to their customers. With a plethora of choices available, what payment options should you consider?

A Simple Guide to Accessing Your VAT Returns

A Simple Guide to Accessing Your VAT Returns

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A Simple Guide to Accessing Your VAT Returns

When you apply for a business loan or other type of business funding, a lender might ask to see your VAT returns. Here's how you can access them online

Water Deregulation: What Does it Mean for SMEs?

Water Deregulation: What Does it Mean for SMEs?

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Water Deregulation: What Does it Mean for SMEs?

The non-domestic water market in England was deregulated on 1 April 2017. Here's everything small businesses need to know about water deregulation

A Simple Guide to Fleximize

A Simple Guide to Fleximize

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A Simple Guide to Fleximize

A short but sweet introduction to Fleximize for commercial finance brokers, accountants and financial advisers. Quick answers to all your clients' questions

Setting Up an Energy Contract for Your Business

Setting Up an Energy Contract for Your Business

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Setting Up an Energy Contract for Your Business

Finding the right energy supplier can be a headache for small business owners. Here's a simple guide to getting your business utilities up and running

Currency Risk: How Businesses Can Manage It

Currency Risk: How Businesses Can Manage It

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Currency Risk: How Businesses Can Manage It

Exchange rate fluctuations can have a significant impact on any business. Fortunately, there are plenty of ways for SMEs to manage their currency risk

The Five Best Crowdfunding Sites for Your Business

The Five Best Crowdfunding Sites for Your Business

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The Five Best Crowdfunding Sites for Your Business

Crowdfunding has given startups and SMEs an exciting new route to investment, but what are the five best crowdfunding sites for UK businesses?

The New £5 Note and the Future of Cash

The New £5 Note and the Future of Cash

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The New £5 Note and the Future of Cash

The new polymer £5 note was recently introduced by The Bank of England. But what does it mean for money and can it withstand the growth of digital payments?

How to Improve Cashflow

How to Improve Cashflow

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How to Improve Cashflow

Poor cashflow is the biggest cause of small business failure, but there are plenty of ways that business owners can overcome this barrier to growth

Angel Investors: an Introduction

Angel Investors: an Introduction

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Angel Investors: an Introduction

Angel investors are an important part of the business funding landscape in the UK. But what is an angel investor, and how could they benefit your business?

How Does Crowdfunding Differ to P2P Lending?

How Does Crowdfunding Differ to P2P Lending?

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How Does Crowdfunding Differ to P2P Lending?

Crowdfunding and peer-to-peer lending are often lumped together, but there's an important distinction between these two types of business finance

Financial Projections: Why They Matter to Investors

Financial Projections: Why They Matter to Investors

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Financial Projections: Why They Matter to Investors

Many entrepreneurs have a brilliant business idea, but fail to back it up with solid financial projections. Why can this ruin their chances of investment?