Financial Guides and Articles
Plain-English guides on business banking, insurance and more.
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What Is Invoice Finance?
Invoice finance lets you release cash tied up in unpaid invoices without waiting for customers to pay. It comes in two main forms, factoring and discounting, each suited to different business types and situations. Here is how to work out which one fits yours.
How to Structure Payment Terms (and avoid disputes before they start)
The best invoice disputes to avoid are the ones you prevent. Two disputes from earlier in my career, and what they taught me about structuring payment terms properly from the start.
How to Resolve an Invoice Dispute
An invoice dispute is different from a late payment. The client is contesting what you are owed, not just delaying it. Here is how to assess the dispute, negotiate a resolution, and know when to escalate.
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.
How to Apply for a Business Credit Card
Applying for a business credit card takes around ten minutes if you have the right information ready. The thing that slows most people down is not the process itself but gathering the details beforehand. Here is what you need.
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.
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.
Business Credit Card Rewards Explained
Business credit card rewards come in three main forms: cashback, points, and air miles. Which type suits your business depends on how much you spend and how you want to use the return. Here's how each one works.
Business Credit Cards for Startups
Getting a business credit card as a startup is harder than most people expect. Most card issuers want at least a year of trading history, and some want more. This guide explains what options are available at each stage and what to look for when your business is ready to apply.
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.
How to Choose a Business Credit Card
Business credit cards come in four types and each suits a different spending profile. Choosing the right one is less complicated than most guides make it, but it does require knowing which type fits how your business actually spends. This guide covers what to look for and how to decide.