For UK businesses
Business Finance
Compare business loans, bank accounts, credit cards, invoice finance and other funding options. Eligibility criteria apply.
Related
Explore connected products
Useful next steps across related business finance options.
Business Overdrafts
Flexible short-term cashflow cover.
ViewStart Up Loans
Finance options for early-stage businesses.
ViewSpend Management
Compare platforms for cards, expenses, approvals and reimbursements.
ViewPayments & International
Compare international business payments, multi-currency accounts and business FX.
ViewUnsecured Business Loans
Borrow without using business assets as security.
ViewFind your route
Which business finance product could suit your business?
Different finance products solve different business challenges. Compare the main options before choosing a provider.
Business Loans
Best for
- Business expansion
- Working capital
- Equipment purchases
- Growth funding
Business Bank Accounts
Best for
- Day-to-day banking
- Startups
- Limited companies
- Sole traders
Business Credit Cards
Best for
- Managing expenses
- Business purchases
- Short-term cash flow
- Employee spending
Invoice Finance
Best for
- Unlocking unpaid invoices
- Improving cash flow
- B2B businesses
- Growing companies
Merchant Cash Advance
Best for
- Card-taking businesses
- Funding against future sales
- Short-term cash needs
- Seasonal trading peaks
Spend Management
Best for
- Company cards
- Expense approvals
- Employee spending control
- Accounting integrations
Payments & International
Best for
- Overseas supplier payments
- Multi-currency accounts
- Business FX
- International payroll
Checklist
Before applying
Practical steps before you submit an application — product pages cover fees and eligibility in more detail.
- Understand how much funding you need
- Decide whether short- or long-term finance is more suitable
- Review your business cash flow
- Compare total borrowing costs
- Check repayment affordability
- Review fees and charges
- Understand any security requirements
- Compare eligibility criteria
- Gather recent business financial information
Education
Understanding business finance
A short overview — each product page expands on product-specific detail.
- Different finance products are designed for different business needs.
- Borrowing should support sustainable business growth.
- Interest rates, fees and eligibility vary by lender.
- New businesses may have different funding options from established companies.
- Directors may sometimes be required to provide personal guarantees.
Research checklist
What should you compare?
Use this checklist across loans, cards, invoice finance and asset finance.
- Representative APR or interest rate
- Arrangement fees
- Repayment flexibility
- Loan term
- Funding speed
- Early repayment options
- Security requirements
- Personal guarantees
- Eligibility requirements
- FCA regulation (where applicable)
- Customer support
- Online account management
Important information
Important things to consider
Borrowing involves risk — weigh affordability and security carefully.
- Borrow only what your business can comfortably repay.
- Late repayments may affect your business credit profile.
- Some finance products may require security.
- Personal guarantees can put personal assets at risk.
- Interest rates and fees vary between providers.
- Missing repayments may increase borrowing costs.
How we review business finance providers
Comparisons consider published rates, fees, features and regulatory status where applicable.
- Interest rates
- Fees
- Product features
- Eligibility
- Funding speed
- Customer support
- Online tools
- Public provider information
- FCA regulatory status (where applicable)
Commercial relationships never influence factual comparisons or editorial guidance.
Last reviewed: 16 September 2026
Provider information checked: 16 September 2026
Trust
Why choose WiT Money?
An independent UK comparison and education resource — not personalised advice.
Researched by WiT Money
We present published rates, fees and features clearly so you can compare providers side by side.
Regularly updated information
Product details and educational pages are reviewed on a regular schedule.
UK-focused research
Content is written for UK businesses, lenders and regulatory context.
Business finance guides and calculators
Learn how products work before you compare — then use tools to sense-check numbers.
Learn
Learn before you borrow
Guides and product hubs to build understanding before you compare providers.
Business loan guide
Match funding type to cashflow, growth plans and risk before you apply.
ExploreBusiness bank accounts explained
Fees, integrations and features to compare before opening an account.
ExploreBusiness cash flow hub
Manage cash-flow gaps, late payments and working-capital pressure.
ExploreInvoice finance explained
How unlocking unpaid invoices compares with other cashflow tools.
ExploreBusiness overdrafts explained
How arranged overdrafts work, what EAR means, and fees to check.
ExploreAsset finance explained
Spread the cost of vehicles, machinery and equipment while preserving cash.
ExploreBusiness credit score guide
Practical steps that may strengthen a UK credit profile before you apply.
ExploreHow business lending works
Compare term loans and related options for UK companies and sole traders.
ExploreWorking capital explained
Funding that may support day-to-day cashflow — subject to lender assessment.
ExploreChoosing between loans and overdrafts
When a flexible facility may suit short-term gaps versus a fixed loan.
ExploreFAQs
Common questions about business finance
Hub-level answers — product pages go deeper. Not personalised business or credit advice. Eligibility criteria apply.
Sources and further information
Reference links only — these organisations do not endorse WiT Money.
Found an outdated business finance rate, fee or provider feature?
Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.
Ready to compare business finance options?
Use our free tools and guides for clearer next steps — then open the product page that fits.
Related
Continue with a related page
Links are chosen from this category’s registry — not a generic keyword dump.