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.
Can You Get a Commercial Mortgage With Bad Credit?
Bad credit makes a commercial mortgage harder to obtain but not impossible. The quality of the security and the strength of the property changes the equation. Here is what to expect and how to approach it.
Commercial Mortgages for Owner-Occupiers vs Investors
Commercial mortgages serve two distinct purposes: buying premises your business trades from, and buying property to let to others. Lenders assess each differently. Here is how they compare.
Secured Business Loans for Limited Companies
Limited companies are well suited to secured business lending, but the way lenders assess them differs from sole traders. Here is what directors need to know about applications, personal guarantees, and using company assets as security.
Risks of a Secured Business Loan
Secured business loans offer lower rates in exchange for putting an asset at risk. Here is an honest look at what the risks actually are and how to assess whether they are manageable for your business.
Commercial Mortgages for Limited Companies
Limited companies are eligible for commercial mortgages, and in many cases lenders prefer them. Here is how the application works, what lenders look for, and what directors need to know about personal guarantees.
Commercial Mortgage Deposit. How Much Do You Need?
Commercial mortgage deposit requirements vary by property type, lender, and borrower profile. Here is what to expect, why LTV matters, and what your options are if you cannot meet the standard deposit requirement.
Commercial Mortgage vs Business Loan. Which Is Right for You?
A commercial mortgage and a secured business loan both use property as security, but they serve different purposes. Here is how the two compare and which one your situation calls for.
Secured Business Loan Rates Explained
Secured business loan rates are lower than unsecured because the lender holds an asset as fallback. Here is what current rates look like in 2026, what drives them, and how they compare to other lending.
What Can You Use as Security for a Business Loan?
The type of security you offer shapes the amount you can borrow, the rate you pay, and which lenders will consider you. Here is what qualifies, what does not, and how the asset affects your terms.
Secured Business Loans for Bad Credit
Bad credit makes borrowing harder but not impossible. In secured lending, a strong asset as security changes the equation. Here is how adverse credit affects a secured loan application and what to expect.
How Do Commercial Mortgages Work?
A commercial mortgage works by giving the lender a legal charge over a business property. Here is what happens at each stage, from application through valuation, legal completion, and repayment.
What Is a Commercial Mortgage?
A commercial mortgage is a loan secured against a business property. Here is what they are used for, how much you can borrow, what they cost, and how they compare to other forms of secured business lending.