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.
Are Free Business Bank Accounts Worth It?
Most small businesses do not need to pay a monthly fee for a business bank account. Free accounts cover the basics well. This guide explains what they include, what the limitations actually are in practice, and when paying genuinely makes sense.
2 August 2026
Multi-Currency Business Bank Accounts Explained
If your business sends or receives money in currencies other than sterling, a standard UK business account will cost you more than it should. Multi-currency accounts are built to fix that. Here is how they work and whether your business needs one.
1 August 2026
Digital Business Banking Explained
Digital business banking has grown up. The main providers now cover overdrafts, lending, accounting integrations, and payment tools that many high street banks cannot match. Here is what you get, what you give up, and who it suits.
1 August 2026
Limited Company Bank Accounts Explained
A limited company is a separate legal entity from its directors. That means its money needs to be kept separately too. This guide covers why you need a dedicated account, what to look for, and which providers are worth considering.
1 August 2026
Business Loans for Sole Traders
Getting a business loan as a sole trader is possible, but the market works differently to how it does for limited companies. This guide covers your options, what lenders look for, and the government-backed scheme worth knowing about.
31 July 2026
Unsecured vs Secured Business Loans
The choice between a secured and unsecured business loan comes down to how much you need, what assets your business holds, and how much risk you are comfortable taking on. This guide explains how each works and which is likely to suit your situation.
31 July 2026
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
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
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
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 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