General

Renovating a venue such as a pub, hotel, or restaurant can be one of the best investments in the long-term performance of a business. It might also be a necessary task due to damage or changing business models.  Whether you’re modernising an old pub, upgrading hotel amenities, or reconfiguring restaurant ... Read more

Choosing a good name for your construction firm is one of the first challenges in attempting to create a good brand. Your company name is the first thing potential buyers see and hear, thus setting the tone for the overall perception of your firm. A smart, professional name can establish ... Read more

The term EBITDA, pronounced “ee-bit-dah”, is an acronym used to describe the financial performance of a business.  It is an important metric in determining the value of a business, as it shows how profitable the company is, independent of its capital structure or tax situation. EBITDA is used essentially to ... Read more

A secured business loan is a type of financing where the borrower uses an asset, such as property, vehicles, or equipment, as security for the loan. If the borrower defaults, the lender can seize and sell the asset to recover the debt. This added security reduces risk for lenders, making ... Read more

Value Added Tax (VAT) is a tax that businesses charge on most of the goods and services they sell. In the UK, the standard rate of VAT is 20%, with a reduced rate of 5% for some items (such as children’s car seats) and 0% for many essentials (like most ... Read more

Breaking into the UK property market can seem impossible without a big deposit, but creative financing strategies make it achievable. In this guide we explore how to buy a property with no money by leveraging family support, government schemes, partnerships and specialist loans. You’ll learn about guarantor mortgages, shared ownership, ... Read more

Securing the right finance is essential for business growth. A well-structured business loan can fund expansion, new equipment, increased stock or help bridge cash-flow gaps.  But many UK business owners wonder how make the best business loan application. Understanding what lenders look for and preparing properly are key to securing ... Read more

When applying for finance in the UK, knowing the difference between a soft credit check and a hard credit check is essential. Credit checks are how lenders review your credit history before approving loans. A soft credit check (also called a soft search or soft inquiry) is a preliminary check ... Read more

A business credit score is a number that measures a company’s creditworthiness – essentially, how likely it is to pay its bills on time. Lenders, suppliers and insurers use it to gauge the risk of doing business with your company.  In practice, this score is calculated from your company’s financial ... Read more

A bridging loan (or bridge loan) is a short-term loan that “bridges” the gap until longer-term financing or asset sales come through. For example, a developer might use a bridging loan to buy a new property before selling an existing one, or to fund a quick renovation. These loans are ... Read more