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.
Working Capital Loans
Working capital gaps are common and they are solvable. Whether a working capital loan or invoice finance is the right solution depends on what is causing the gap. Getting that diagnosis right before you borrow saves time and money. This guide explains both options and how to decide between them.
7 August 2026
Start-Up Business Loans
Start-ups face a funding challenge that more established businesses do not. Most lenders want trading history you have not yet had time to build. The options available are more varied than most people expect, but they require knowing where to look. This guide covers the full picture.
7 August 2026
Short-Term Business Loans
Short-term business loans are designed for situations where you need capital quickly and for a defined, near-term purpose. They are not a cheaper version of a longer-term loan. They are a different product with a different cost structure and a different set of use cases. This guide explains how they work and when they are the right choice.
7 August 2026
Asset Finance Explained
Asset finance lets businesses acquire equipment, vehicles, and machinery without paying for them upfront. It covers several different products that work in distinct ways. This guide explains how each type works, when to use them, and what lenders actually look at when assessing a deal.
7 August 2026
ePOS Systems for Restaurants and Hospitality
A hospitality ePOS system is not the same as a retail one. Running a restaurant, café, or bar demands specific features that a generic system does not provide. This guide covers what those features are and how to evaluate a system against your actual operational needs.
5 August 2026
What Is an ePOS System?
An ePOS system is the combination of hardware and software that a business uses to process sales, manage stock, and track performance. This guide explains what an ePOS system actually is, how it works, and what small businesses should know before choosing one.
5 August 2026
ePOS Systems for Retail
Retail ePOS systems are built around stock. Managing what you have, what you sell, and what you need to reorder is the core function that everything else is built on top of. This guide explains what retail businesses actually need from an ePOS and how to choose one that fits.
5 August 2026
Do I Need to Register for VAT?
If your taxable turnover has exceeded £90,000 in the last 12 months, yes. If it has not, VAT registration is a choice. This guide explains when the obligation kicks in, when it makes sense to register early, and what registration actually involves.
4 August 2026
Trade Finance Explained
Trade finance is the collective term for the products that make international trade work. It manages the payment risks and cash flow gaps that arise when buyers and sellers operate across different countries and currencies. This guide explains how the main products work and which businesses use them.
3 August 2026
Invoice Finance for Small Businesses
Invoice finance is not just for large companies. For small businesses with B2B customers and payment terms of 30 days or more, it is often the most practical way to keep cash flow steady without taking on traditional debt. This guide covers how it works in practice for smaller operations.
3 August 2026
Van Insurance for Couriers
Standard van insurance does not cover courier or delivery work. If you are getting paid to carry goods for others, you need a specific type of commercial cover. This guide explains what courier van insurance is, what it costs, and what to watch out for.
2 August 2026
Van Insurance for the Self-Employed
If you use a van for work as a self-employed person, social use cover is not enough. The type of business use cover you need depends on how the van is used, and getting it wrong can invalidate a claim. This guide explains what self-employed van drivers need to know before they buy.
2 August 2026