Acquisition finance for buying a business
A high-level framework for funding an acquisition while protecting working capital and testing repayment capacity.
BusinessBanks.uk · Finance
Business finance and commercial borrowing
Explore loans, overdrafts, working-capital finance, invoice finance, asset finance and other common funding routes.
Business financeBorrowing, working capital and growth funding
01Acquisition finance for buying a businessA high-level framework for funding an acquisition while protecting working capital and testing repay02Asset finance for equipment and vehiclesA decision framework for funding business assets without using all available cash upfront.03Hire purchase vs leasing for business assetsA practical UK business guide to hire purchase vs leasing for business assets, covering borrowing st
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Finance library
70 practical pages in this section
The library is organised around practical business-banking decisions, with related pages connected for easier research.
Featured finance researchStart with funding structure
Asset finance for equipment and vehicles
A decision framework for funding business assets without using all available cash upfront.
Hire purchase vs leasing for business assets
A practical UK business guide to hire purchase vs leasing for business assets, covering borrowing structure, repayment capacity, security and funding fit.
Bridging finance for business purposes
How short-term secured finance can solve timing gaps and why the exit route matters before the facility begins.
Business accounts and overdrafts
Why the current account and the borrowing facility should be evaluated separately, even when they come from the same provider.
More finance research
Preparing a stronger business finance application
A preparation checklist focused on purpose, affordability, accounts, forecasts and the evidence lenders may use to understand a business.
Cash-flow loans for UK businesses
A practical UK business guide to cash-flow loans for uk businesses, with a focus on borrowing structure, repayment capacity, security and funding fit.
Business loan covenants explained
A practical UK business guide to business loan covenants explained, with a focus on borrowing structure, repayment capacity, security and funding fit.
Debt service coverage for small business borrowing
A practical UK business guide to debt service coverage for small business borrowing, covering borrowing structure, affordability, documentation, repayment and risk.
What happens if a business misses finance repayments?
A practical UK business guide to what happens if a business misses finance repayments?, with a focus on borrowing structure, repayment capacity, security and funding fit.
Early repayment on business finance explained
A practical UK business guide to early repayment on business finance explained, covering borrowing structure, affordability, documentation, repayment and risk.
Fixed vs variable-rate business finance
A practical UK business guide to fixed vs variable-rate business finance, with a focus on borrowing structure, repayment capacity, security and funding fit.
Business finance for acquisitions
A practical UK business guide to business finance for acquisitions, covering borrowing structure, repayment capacity, security and funding fit.
Funding large contracts and new orders
A practical UK business guide to funding large contracts and new orders, covering borrowing structure, repayment capacity, security and funding fit.
Finance for business equipment purchases
A practical UK business guide to finance for business equipment purchases, covering borrowing structure, repayment capacity, security and funding fit.
Funding business expansion
A practical UK business guide to funding business expansion, covering borrowing structure, repayment capacity, security and funding fit.
Business finance when the company has mostly intangible assets
A practical UK business guide to business finance when the company has mostly intangible assets, covering borrowing structure, affordability, documentation, repayment and risk.
Business finance for a management buyout
A practical UK business guide to business finance for a management buyout, covering borrowing structure, affordability, documentation, repayment and risk.
Financing a partner or shareholder buyout
A practical UK business guide to financing a partner or shareholder buyout, covering borrowing structure, affordability, documentation, repayment and risk.
Finance for business premises and fit-out costs
A practical UK business guide to finance for business premises and fit-out costs, covering borrowing structure, affordability, documentation, repayment and risk.
Finance for commercial property deposits
A practical UK business guide to finance for commercial property deposits, covering borrowing structure, repayment capacity, security and funding fit.
Financing a large stock purchase
A practical UK business guide to financing a large stock purchase, covering borrowing structure, affordability, documentation, repayment and risk.
Funding stock and inventory purchases
A practical UK business guide to funding stock and inventory purchases, covering borrowing structure, repayment capacity, security and funding fit.
Financing growth and capital expenditure
A practical UK business guide to financing growth and capital expenditure, covering borrowing structure, affordability, documentation, repayment and risk.
Long-term business finance explained
A practical UK business guide to long-term business finance explained, with a focus on borrowing structure, repayment capacity, security and funding fit.
Merchant funding for card-taking businesses
A practical UK business guide to merchant funding for card-taking businesses, with a focus on borrowing structure, repayment capacity, security and funding fit.
Using more than one business finance facility
A practical UK business guide to using more than one business finance facility, with a focus on borrowing structure, repayment capacity, security and funding fit.
How to review a personal guarantee before business borrowing
A practical UK business guide to how to review a personal guarantee before business borrowing, covering borrowing structure, affordability, documentation, repayment and risk.
Purchase-order finance for UK businesses
A practical UK business guide to purchase-order finance for uk businesses, with a focus on borrowing structure, repayment capacity, security and funding fit.
When to consider refinancing business debt
A practical UK business guide to when to consider refinancing business debt, covering borrowing structure, affordability, documentation, repayment and risk.
Renewing an existing business finance facility
A practical UK business guide to renewing an existing business finance facility, with a focus on borrowing structure, repayment capacity, security and funding fit.
Revenue-based finance for UK businesses
A practical UK business guide to revenue-based finance for uk businesses, with a focus on borrowing structure, repayment capacity, security and funding fit.
Seasonal repayment structures for business finance
A practical UK business guide to seasonal repayment structures for business finance, covering borrowing structure, affordability, documentation, repayment and risk.
Short-term business finance explained
A practical UK business guide to short-term business finance explained, with a focus on borrowing structure, repayment capacity, security and funding fit.
Stock and inventory finance explained
A practical UK business guide to stock and inventory finance explained, with a focus on borrowing structure, repayment capacity, security and funding fit.
Finance for business tax bills
A practical UK business guide to finance for business tax bills, with a focus on borrowing structure, repayment capacity, security and funding fit.
Finance for VAT payments
A practical UK business guide to finance for vat payments, with a focus on borrowing structure, repayment capacity, security and funding fit.
Business finance with limited collateral
A practical UK business guide to business finance with limited collateral, covering borrowing structure, affordability, documentation, repayment and risk.
Business lines of credit and revolving facilities
Flexible borrowing routes for recurring working-capital needs.
How business loan affordability is assessed
A practical UK business guide to how business loan affordability is assessed, covering borrowing structure, affordability, documentation, repayment and risk.
Documents to prepare for a business loan application
A practical UK business guide to documents to prepare for a business loan application, covering borrowing structure, affordability, documentation, repayment and risk.
How business loan covenants work in practice
A practical UK business guide to how business loan covenants work in practice, covering borrowing structure, affordability, documentation, repayment and risk.
Early repayment of business loans
A practical UK business guide to early repayment of business loans, covering borrowing structure, repayment capacity, security and funding fit.
Business loan eligibility in the UK
A practical UK business guide to business loan eligibility in the uk, covering borrowing structure, repayment capacity, security and funding fit.
Personal guarantees for business loans: what to check
A practical UK business guide to personal guarantees for business loans, including scope, risk, documentation and questions to ask before borrowing.
Refinancing existing business debt
A practical UK business guide to refinancing existing business debt, covering borrowing structure, repayment capacity, security and funding fit.
Business loan repayment structures explained
A practical UK business guide to business loan repayment structures explained, covering borrowing structure, repayment capacity, security and funding fit.
Security and collateral for business finance
A practical UK business guide to security and collateral for business finance, covering borrowing structure, repayment capacity, security and funding fit.
Business loans: a practical UK guide
A plain-English route through term borrowing, repayment planning and the questions a business should answer before taking on debt.
Business overdrafts: when they fit cash flow
How an overdraft can support short-term working-capital gaps and why it should not automatically become permanent funding.
Commercial mortgages for businesses
A permanent route for owner-occupied and investment commercial-property borrowing.
Equipment finance for UK businesses
Routes for funding machinery, technology and other productive assets while preserving operating cash.
Growth finance for an expanding business
How to match expansion funding to hiring, stock, premises, marketing and the expected timing of returns.
Invoice finance explained for UK businesses
How invoice finance can release working capital from unpaid invoices, plus the operational differences between factoring and discounting.
Recourse vs non-recourse invoice finance
A practical UK business guide to recourse vs non-recourse invoice finance, covering borrowing structure, repayment capacity, security and funding fit.
Merchant cash advances: what to examine
A cautious guide to funding repaid from future card sales, with emphasis on total cost and the effect on daily cash flow.
Finance options for UK microbusinesses
A practical UK business guide to finance options for uk microbusinesses, covering borrowing structure, affordability, documentation, repayment and risk.
Personal guarantees on business borrowing
What directors and owners should understand about guarantees before accepting finance for a company.
Property development finance for businesses
What development projects need from drawdowns, monitoring, contingencies and exit planning.
Refinancing business debt
When consolidating or replacing existing facilities can improve cash flow and what costs or restrictions need checking.
Revolving credit facilities for businesses
How revolving facilities differ from fixed term borrowing and why flexibility can be useful when funding needs move up and down.
Secured business loans explained
What changes when business assets or property support borrowing and what owners should examine before pledging security.
Secured vs unsecured business borrowing
How security changes lender risk, business risk and the questions owners should ask before pledging assets or accepting guarantees.
Short-term business loans and working-capital pressure
When short-duration borrowing can match a temporary need and when repeated refinancing signals a deeper cash-flow problem.
Small business loans: what to compare
A practical framework for comparing term borrowing, affordability, repayment structure and lender requirements.
Finance options for a growing startup
A high-level map of debt, equity and working-capital routes for founders who need funding beyond ordinary business banking.
Trade finance for UK businesses
Banking and finance routes that support imports, exports and trade-related working capital.
Unsecured business loans explained
How unsecured borrowing changes the balance between speed, price, guarantees and lender risk.
Vehicle finance for a business
How to compare funding structures for vans, cars and commercial vehicles around cash flow, ownership and usage.
Working capital finance: choosing the right route
A map of short- and medium-term funding routes used to manage stock, payroll, suppliers and uneven customer payments.
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