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.
What Month Two of Starting a Business Actually Looks Like
First hire, first partnership agreement, and the moment a small business got funded through a platform that started as a closed laptop in a home office. Month two is where things got real.
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.
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.
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.
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.
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.
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.
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.
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.
What Is Invoice Factoring?
Invoice factoring advances you cash from unpaid invoices and hands your credit control to the lender. Here is how it works, what it costs, and whether it is the right fit for your stage of business.
What Is Invoice Discounting?
Invoice discounting lets you release cash from unpaid invoices while keeping your credit control in-house and the arrangement confidential. Here is how it works, what it costs, and whether it suits your business.
Do Sole Traders Need a Business Bank Account?
There is no legal requirement for sole traders to have a business bank account. But in practice, most will benefit from one, and with Making Tax Digital now in effect, the case has never been stronger.
Is My Car Insured? How to Check Your Car Insurance
Not sure if your car is insured? You can check in seconds using the Motor Insurance Database. Here is what to do with the result.
Recruitment Invoice Finance
Recruitment agencies face one of the most acute cash flow problems in business: paying contractors weekly while clients pay on 60 or 90-day terms. Here is how specialist invoice finance solves it.