Sam Griffin
Sam has spent the last decade helping UK consumers and business owners navigate a rapidly changing financial landscape. As the lead for HowMuch (UK), he draws on his background at major comparison platforms to build tools that move the needle for SMEs. From regulatory compliance to deep-market analysis, Sam’s focus is on ensuring that HowMuch UK provides the clarity and accuracy UK consumers & business owners need to make decisions with confidence.
What Month Two of Starting a Business Actually Looks Like
First hire, first partnership agreement, and the moment a small business got funded through a platform that started as a closed laptop in a home office. Month two is where things got real.
9 September 2026
Commercial Mortgage vs Business Loan. Which Is Right for You?
A commercial mortgage and a secured business loan both use property as security, but they serve different purposes. Here is how the two compare and which one your situation calls for.
9 September 2026
Commercial Mortgages for Limited Companies
Limited companies are eligible for commercial mortgages, and in many cases lenders prefer them. Here is how the application works, what lenders look for, and what directors need to know about personal guarantees.
9 September 2026
Commercial Mortgage Deposit. How Much Do You Need?
Commercial mortgage deposit requirements vary by property type, lender, and borrower profile. Here is what to expect, why LTV matters, and what your options are if you cannot meet the standard deposit requirement.
9 September 2026
Secured Business Loan Rates Explained
Secured business loan rates are lower than unsecured because the lender holds an asset as fallback. Here is what current rates look like in 2026, what drives them, and how they compare to other lending.
8 September 2026
Secured Business Loans for Bad Credit
Bad credit makes borrowing harder but not impossible. In secured lending, a strong asset as security changes the equation. Here is how adverse credit affects a secured loan application and what to expect.
8 September 2026
What Can You Use as Security for a Business Loan?
The type of security you offer shapes the amount you can borrow, the rate you pay, and which lenders will consider you. Here is what qualifies, what does not, and how the asset affects your terms.
8 September 2026
Bridging Loan Rates and Costs Explained
Bridging loan rates are quoted monthly, which makes them easy to underestimate. Here is what current rates look like in 2026, what drives them, and how to calculate the true cost of a bridging facility.
7 September 2026
How Do Bridging Loans Work?
A bridging loan works by securing short-term finance against a property, with repayment driven by a defined exit event. Here is what happens at each stage, from application through to repayment.
7 September 2026
What Is a Bridging Loan?
A bridging loan is short-term secured finance designed to cover a gap. Here is what they are used for, what they cost, and how they compare to other forms of secured lending.
7 September 2026
Commercial Mortgage Rates Explained
Commercial mortgage rates vary more than residential rates and depend heavily on LTV, property type, and business financials. Here is what to expect in 2026 and what drives the rate you are offered.
5 September 2026
How Do Commercial Mortgages Work?
A commercial mortgage works by giving the lender a legal charge over a business property. Here is what happens at each stage, from application through valuation, legal completion, and repayment.
5 September 2026