The field guide
What does no-doc really mean?
Understand the difference between a simple first step and a provider’s requirements.
Read guideThe funding field guide
A little knowledge.
A better next move.
Practical tools and plain-language guides to help you prepare, ask better questions, and understand the numbers.
Useful from day one
Three ways to get a clearer picture.
The preparation checklist
Get your funding file ready.
Organize the business records that support a clearer conversation.
Open checklistThe free calculator
Understand the options
Six routes. Different commitments.
Learn how each funding type works, where its costs sit, and which questions to ask.
Borrow once. Plan ahead.
Business term loan
A fixed amount borrowed once and repaid over a set period in regular instalments, secured or unsecured.
- Usually explored for
- A known, one-off cost with a predictable payback, such as a fit-out or an acquisition.
Room for the in-between.
Business line of credit
A limit you can draw down, repay and draw again, with interest charged on what is outstanding.
- Usually explored for
- Cash-flow timing gaps rather than a single purchase.
Put the next tool to work.
Equipment & asset finance
Funding tied to a specific item of equipment or a vehicle, structured as hire purchase or a lease.
- Usually explored for
- Equipment with a useful life long enough to outlast the agreement.
Work done. Payment pending.
Invoice finance
Money advanced against invoices you have already issued, repaid when your customer pays.
- Usually explored for
- Businesses that invoice other businesses on payment terms.
Understand the full cost.
Merchant cash advance
A lump sum repaid as a fixed share of daily or monthly takings until an agreed total is repaid.
- Usually explored for
- Card-heavy trade with steady volume and an urgent, short-lived need.
A defined purpose. A clear exit.
Property & bridging finance
Borrowing secured against commercial or, in some cases, personal property, often short-term.
- Usually explored for
- A dated exit — a sale, a refinance or a completion — that can be evidenced.