Author: Craig Upton
Creating strategic partnerships and supporting data with extensive research in the latest trends Craig is well versed with most products within the financial sector.

Applying for commercial finance for the first time can feel daunting. Whether you’re looking to improve cash flow, fund growth, purchase assets, or simply stabilise your business, preparation is key. Lenders don’t just look at numbers, they look at how well you understand your business, your plans, and your ability to manage borrowing responsibly. The […]
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Trade finance is a vital tool for UK businesses, helping importers, distributors and wholesalers bridge cash‑flow gaps when fulfilling orders and paying suppliers. Traditionally, arranging this finance involved lengthy paperwork, manual checks and intricate banking processes. But in 2026, technological innovation is transforming trade finance into a faster, more secure, and more accessible practice for […]
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When your business is exploring ways to acquire essential equipment, vehicles or machinery, understanding what impacts asset finance rates can save you money and help you plan more effectively. Whether you’re a start‑up owner or an experienced financial decision‑maker, clarity on these key drivers is essential when hunting for the best asset finance rates. Asset […]
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Not every business that wants to grow is ready to grow.And in 2025, the gap between ambition and financial reality is wider than most owners expect. Costs behave unpredictably, lenders demand cleaner records, and even small operational bottlenecks can multiply under pressure. Growth only works when your foundations can actually support it. This guide breaks […]
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Financial uncertainty has become the norm, not the exception. Rising living costs, unpredictable interest rate movements and fast-changing economic conditions mean many households and business owners are now planning year by year rather than decade by decade. The challenge is that making financial decisions without a long-term structure often leads to stress, missed opportunities and […]
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Most people believe their financial decisions are driven by logic. Compare the numbers, weigh the pros and cons, and choose the sensible option. In reality, money is emotional long before it is mathematical. The way we save, spend, borrow and invest is shaped by habits formed in childhood, stress responses, social pressure and the shortcuts […]
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If there’s one thing nearly every business owner moans about, it’s waiting to get paid. You deliver the work, you send the invoice, and then you’re stuck refreshing your bank account like a bad habit. Meanwhile, bills don’t wait, staff need paying, and opportunities pass because your cash is tied up in someone else’s bank […]
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If you run a business in the UK right now, you’ve probably felt the financial whiplash of the past few years. Interest rate hikes, stubborn inflation, supply chain weirdness, political changes, and banks that suddenly prefer saying “no” rather than “let’s see what we can do” it’s been a ride. But here’s the interesting part: […]
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Starting a business in the UK isn’t for the faint-hearted. You’ve got the vision, the hustle, and maybe even your first few paying customers. But when it comes to accessing capital? That’s often where things get complicated, fast. If you’ve been turned away by traditional lenders, you’re not alone. Banks tend to avoid startups like […]
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A merchant cash advance (MCA) can feel like a lifeline when your business needs quick funding. It’s fast, flexible, and doesn’t involve the hurdles of a traditional bank loan. But because MCAs are short-term and often come with higher costs, using them wisely is crucial. If you treat an MCA as just a stopgap, it […]
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