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.
Business Charge Cards vs Credit Cards
Business charge cards and credit cards look alike but work differently. The key difference is how you repay. This article explains what each product does and which one is likely to suit your business.
30 July 2026
Van Insurance Guide
Van insurance works differently from car insurance, and the type of cover you need depends on how you use your van. This guide covers the three levels of cover available, what affects the cost, and what to watch out for when buying or renewing a policy.
28 July 2026
How Does a Business Overdraft Work?
A business overdraft is one of the most flexible short-term finance tools available to UK businesses. Unlike a loan, you only pay for what you use and there is no fixed repayment schedule. This guide explains how overdrafts work, what they cost, and when they are the right choice.
27 July 2026
Business Overdraft vs Business Loan
A business overdraft and a business loan both provide access to external finance, but they are built for different situations. The right choice depends on what you need the money for, how long you will need it, and how predictable your cash flow is. Here is how to tell them apart.
27 July 2026
Invoice Finance for Healthcare Agencies
Healthcare staffing agencies pay nurses and care workers weekly while NHS trusts and care homes settle invoices on 30 to 60-day terms. Here is how invoice finance closes that gap.
26 July 2026
How Much Does Invoice Factoring Cost?
Invoice factoring costs more than a single headline rate suggests. The total is built from two main components, plus ancillary charges that vary significantly between providers. Here is what a facility typically costs and how to compare quotes properly.
26 July 2026
How Much Does Invoice Discounting Cost?
Invoice discounting is typically cheaper than invoice factoring because the lender does less work. Here is how the fees are structured, what a facility typically costs, and how to compare quotes properly.
26 July 2026
Invoice Finance for Startups
Most invoice finance providers assess your customers' creditworthiness more heavily than your own trading history. That makes factoring more accessible for startups than most founders expect. Here is how it works and what you need to qualify.
26 July 2026
Invoice Finance for Manufacturing
Manufacturers buy materials before they produce, and produce before they are paid. Invoice finance releases the cash tied up in unpaid sales invoices, so the working capital gap does not constrain the next production run.
26 July 2026
Invoice Finance for Transport and Haulage
Haulage businesses pay for fuel, drivers, and maintenance before a single invoice is settled. Here is how invoice finance closes the gap between operational costs and client payment terms.
26 July 2026
Invoice Finance for Construction Companies
Construction businesses spend money long before clients pay. Materials, labour, and plant costs run from day one; invoices sit on 60 or 90-day terms. Here is how invoice finance closes that gap.
26 July 2026
Invoice Finance for Wholesale Businesses
Wholesale businesses buy before they sell and sell before they are paid. Invoice finance releases cash from unpaid sales invoices, so you are not waiting 30 to 60 days for money you have already earned.
26 July 2026