FundBiz Blog
Independent broker guidance on UK specialty business finance: merchant cash advance, asset finance, commercial mortgages, VAT loans and post-decline routing. Written by Oliver Mackman. FundBiz is a comparison and introducer service, not a lender.
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Post-decline
Declined for a Business Loan? What Specialty Finance Can Still Do
Declined for a business loan? Fewer than half of UK SME bank applications succeed, but specialist lenders fund cases high-street banks reject. Here is how.
Oliver Mackman -
Finance decisions
MCA vs Asset Finance: Which One Fits Your Business?
A merchant cash advance funds against future card takings; asset finance funds a specific piece of equipment. Your choice turns on what you are buying.
Oliver Mackman -
Guides
VAT Loans: When to Use Them and What They Cost
A VAT loan lets a UK business borrow the exact amount owed to HMRC on its quarterly return, repay HMRC on the due date, then settle the lender over a short term.
Oliver Mackman -
Rates and costs
MCA Factor Rates Explained: Converting to APR
A merchant cash advance uses a factor rate, not an interest rate. Converting it to an APR reveals the annualised cost and lets you compare it directly with a term loan.
Oliver Mackman
See which specialist lenders could fund you
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