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Business finance is a broad term used to categorise financial products that can help you manage and grow your business. It often relates to financial support, which can come in several ways such as loans, commercial mortgages, asset financing and invoice financing. It can also be used in relation to bank accounts for businesses, savings accounts, credit cards and prepaid cards – all ways of helping your business operate more smoothly.
MoneySuperMarket offers a range of different finance options to suit your needs. These include:
Can be an affordable way to borrow funds to help you build your business or ease cash flow. Provides you with extra capital or allows you to invest in equipment and you can spread the repayments over a term that suits you.
A commercial mortgage is a loan that funds any property that is not residential. While this could be business premises for your company, it could also be a buy-to-let mortgage for rented accommodation.
A peer-to-peer business loan is a way of borrowing where the money doesn’t come from the traditional route such as a bank, but the funds are supplied to the company through individual investors instead.
A loan used by companies to buy, lease, or refinance the assets needed to keep the business growing. A flexible way of funding often used to replace existing equipment such as high value vehicles or machinery.
A form of lending where a third party, often a bank, buys up unpaid invoices or lends money against the funds that will be received in the future from clients. Can be a way of improving your company’s cashflow.
A business bank account is a legal requirement if you want to set up a limited company in the UK. It’s like a personal bank account, but used by sole traders, partnerships, or companies for day-to-day banking needs.
Similar to a personal savings account, a business savings account lets your company earn interest on money that is deposited. It can be a good way of making funds work harder if your business has a healthy balance sheet.
A business prepaid card is a financial tool designed for companies to manage expenses efficiently. It functions like a debit card, but the spending is limited to the amount preloaded onto the card.
A competitive loan can provide financial support and help grow a small business with repayments structured in a way to make them affordable
A business savings account allows your company to earn a return on a positive bank balance rather than letting the money sit in a current account
Asset finance can provide the type of flexible lending solution that allows you to get your business up and running quickly despite high-cost overheads
Business money transfers can be an efficient way to move significant sums overseas without losing a sizeable chunk to weak exchange rates or additional fees
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Whether you’re looking to borrow funds or get started with a company bank account, we’ve got your business demands covered
Whatever type of finance you’re after, we search the market to help you compare deals from the UK’s leading finance providers
We’ll show you all the key features upfront, so you won’t be caught out by any terms and conditions you weren’t expecting
The business finance product that will be best for your business depends on the nature of your business practices, your business goals, and the current state of its finances.
A company bank account is likely to be a good idea, even if you are a sole trader, because it helps keep personal and business funds separate for easier accounting
A business loan or peer-to-peer loan might be an option if you need a cash injection and are confident your company is in a position to handle the repayments
Invoice financing could be worth considering if you are struggling with late payment of invoices and running into cashflow difficulties
A commercial mortgage or asset finance can help if you need to move to new premises or buy expensive new equipment to further your business aims but don’t have the funds outright.
Whatever type of finance you want to compare, MoneySuperMarket is here to help.
We’ll ask a few simple questions about how much you want to borrow, your business, and what the money will be used for.
We’ll show you a list of potential deals including the interest rate and how much your monthly repayments might be.
Once happy with your choice, you can click through to apply quickly and easily online. Then wait for your funds to arrive.
Whether your company is eligible for finance will depend on factors such as its income and overheads, how much you are looking to borrow and how much confidence the finance provider has in your ability to pay back the funds. The good news is that there are a variety of different options available, from short-, medium- and long-term loans to flexible solutions such as asset and invoice financing.
Whether you're a small business or a larger enterprise, to improve your chances of being accepted for business support, you should build a solid business plan and try to maintain a strong credit score. You should also look to choose the right finance solution for your company’s current financial status and keep organised financial records so you can demonstrate business stability and profitability. Searching around to find the best deal, or finance providers who are more willing to support your application for funds, will also improve your chances of being accepted.
Business loans can be used for various purposes including providing additional working capital to ease cash flow, expanding, or renovating premises, purchasing equipment or machinery, hiring and training employees or debt consolidation. The specific usage can vary depending on the finance provider and the type of loan obtained, so clarify terms with the lender before you apply.
Fees for holding a business current or savings account can vary among banks and financial institutions in the UK. Some may charge monthly maintenance fees, while others offer free accounts with certain conditions. Compare options and carefully review the terms and fee structures provided by different banks to make an informed decision based on your business's needs and preferences.
Interest rates for business financial services can vary widely based on factors such as the type of product, the lender, and the borrower's creditworthiness. In many cases, loans for businesses may have slightly higher interest rates than personal loans due to the increased risk associated with business ventures. However, competitive rates can still be found by shopping around and meeting the lender's requirements.
Equity financing is a method of raising capital by selling shares in your company. You might choose to sell equities to fresh investors, or to existing shareholders who are looking to improve their equity holdings.
They key selling point of equity finance is that the money you receive as capital does not have to be paid back.
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