Funding Options Blog

Home of our blog articles on topics that will inform and educate entrepreneurs on topics such as lending, green finance, tax and financial matters.

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Sterling cash pile
Education

What are the costs of invoice factoring and is it worth it for your business?

Invoice factoring could be a worthwhile option for businesses struggling with cash flow due to late-paying customers. But it will depend on your specific costs, profit margins, and whether the benefits of immediate cash outweigh the fees involved.

27 Jul 2025

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Investing in your business
Education

What is the difference between invoice financing and receivable financing?

Often used interchangeably, both ‘invoice financing’ and ‘receivable financing’ could help inject short-term cash into your business.

22 Jul 2025

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canary wharf buildings
Education

What is a commercial bridging loan?

Need to buy commercial property quickly but don’t have time to wait for a traditional mortgage? A commercial bridging loan could be the fast-track solution you need.

20 Jul 2025

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Asset based lending
Education

How asset lending can boost your business cash flow this summer

Need some extra cash to get through the summer months? Own valuable assets that could be used to secure a loan? Asset lending could help.

17 Jul 2025

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funding your business
Education

Fund-based and non-fund based credit limits

Find out what fund-based and non-fund based credit limits are, what the difference between them is, and which might suit your business most.

10 Jul 2025

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What are the main crowdfunding advantages and disadvantages?
Education

Peer to peer lending

Need funding but aren’t sure whether you’ll be able to get a traditional bank loan? You’re not alone. [Over half](https://www.money.co.uk/business/business-loans/statistics) of UK SMEs are turned down by banks, leaving many looking for alternatives.

9 Jul 2025

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construction-site-2023-11-27-04-52-28-utc
Education

Hire purchase vs. finance lease

Need to buy business equipment but aren’t sure whether to lease or purchase it? This decision could save or cost your business thousands of pounds, so it's worth getting it right.

8 Jul 2025

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small-business-entrepreneur-at-cafe-entrance-using-2023-11-27-05-30-16-utc
Tips

How to obtain a small business loan in the UK: a step-by-step guide

Securing the right small business loan can be a turning point for many UK entrepreneurs - whether you're investing in growth, covering unexpected expenses, or managing seasonal cash flow. Yet for many founders, the process can feel opaque and confusing. What type of loan should you apply for? What documents do lenders expect? And how do you compare your options without getting buried in jargon?

3 Jul 2025

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Business Credit Cards
Education

A short guide to business credit card expenses

[Over 600,000](https://www.comparebanks.co.uk/resources/business-credit-card-statistics/) UK SMEs use business credit cards. If you’re one of them (or you’re looking to join them), make sure you’re using them properly with this guide.

26 Jun 2025

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Disclaimer:

Funding Options helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Funding Options can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. We are also able to make insurance introductions. Funding Options will receive a commission or finder’s fee for effecting such finance and insurance introductions.

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**New Tide customers receive a 0.78% AER boost on the standard 3.29% AER until 31/03/25, after which the rate reverts to 3.29% AER, with no interest earned on balances over £75,000.

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