Consumer Duty one year on UK: what it changed for consumer lenders
The FCA's Consumer Duty has reshaped how consumer-credit firms treat customers. It governs consumer credit, not our business lending — here is the distinction.
Industry insights
Our view on small-business finance in the UK — how short-term lending compares with overdrafts, invoice finance and credit facilities, and what business owners should weigh up before borrowing. The aim is to help you make a more informed choice, including the choice not to borrow at all.
17 articles
Bank of England rate changes and UK small businesses: what they actually mean
How Bank of England base rate changes feed through into UK small business borrowing costs, which types of lending are affected immediately, and what business owners can practically do about it.
Short-term business loan vs business overdraft UK: the difference explained
The difference between a business overdraft loan and a short-term business loan — what each one is, where each one wins, and how to choose. A practical guide for UK limited companies.
The state of UK small-business lending in 2025: the SME funding gap explained
The state of UK small business lending in 2025: why mainstream banks have retreated from small tickets, what the SME funding gap means in practice, and who is filling it.
Understanding APR for short-term business borrowing UK: what the number really means
Understanding APR on a UK short-term business loan: why the annualised rate looks alarming, what it actually measures, and which figures tell you the real cost.
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