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 Is a Secured Business Loan?
A secured business loan is one where you put up an asset as collateral in exchange for lower rates and higher borrowing amounts. Here is what that means in practice, who can get one, and when it makes sense.
4 September 2026
How Do Secured Business Loans Work?
A secured business loan works by giving the lender a legal claim over an asset you own. Here is what happens at each stage, from application through to repayment and what occurs if you cannot keep up.
4 September 2026
Secured vs Unsecured Business Loans. What's the Difference?
Secured loans use an asset as collateral and offer lower rates and larger amounts. Unsecured loans are faster and need no collateral but cost more. Here is how the two compare and how to choose.
4 September 2026
Business Credit Cards for Sole Traders
Sole traders can get a business credit card, but lenders assess you differently to limited companies. Here is what that means for your application, which providers to consider, and why a dedicated business card is worth having.
3 September 2026
Business Credit Cards for Bad Credit
Getting a business credit card with a poor credit history is harder but not impossible. Your options are narrower and the rates are higher, but specialist providers will still consider you. Here's what to expect and how to approach it.
2 September 2026
Business Credit Card vs Business Loan. Which Is Right for You?
A business credit card handles day-to-day spending. A business loan funds big investments. They are not interchangeable, and using the wrong one costs you money. Here is how to decide.
2 September 2026
Why Timing Isn't the Whole Story for Startup Finance
James Robson argues the SME finance industry has spent a decade chasing the wrong problem: it's timing, not access. He's right, for established businesses. But for startups and first-year companies with no trading history to time, access is still very much the real issue.
14 August 2026
The Comparison Site Now Competing With the Products It Compares
MoneySupermarket has launched its own business bank account. Not a comparison of other banks' accounts. Their own. This is a significant moment for the comparison market, and it raises a question every small business owner should ask before using any comparison site to find a bank account.
12 August 2026
Easy Access vs Fixed-Term Business Savings
The choice between an easy access and a fixed-term business savings account comes down to one question. How certain are you that you will not need that money during the saving period? The answer shapes everything else. This guide explains how the two products work and which suits which situation.
10 August 2026
Temporary Van Insurance Explained
Temporary van insurance gives you cover for a van you do not own, or for a short period when you do not need a full annual policy. This guide explains how it works, when it makes sense, and what to check before you buy.
9 August 2026
What the First Month of Starting a Business Actually Looks Like
Every business starts somewhere. For HowMuch, it started with a browser full of tabs, a growing frustration with how comparison had evolved, and a conviction that small businesses deserved something better. This is month one. What I did, what I got wrong, and what I wish I had known sooner.
9 August 2026
Fleet Insurance
Fleet insurance covers multiple vehicles under a single policy. Most insurers define a fleet as three or more vehicles, though the products vary significantly beyond that. This guide explains how fleet insurance works, how it is priced, and what businesses and individuals with multiple vehicles need to know.
8 August 2026