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We pride ourselves on having built a solid reputation for securing the best financing solutions available for our clients. We endeavour to support your business through every stage of the process to ensure that we achieve a successful outcome together. Our news page is a useful resource for all areas of business finance.

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Partner spotlight – our favourite charity

Partner spotlight – our favourite charity

As part of our 20th anniversary celebrations, we've been reflecting on the causes and charities that mean the most to us. And for our Managing Director, Chris Morris, one charity…

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Working capital finance explained

Working capital finance explained

Every business needs enough money on hand to cover its day-to-day costs, from paying staff and suppliers to keeping stock on the shelves. When that everyday funding falls short, working…

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How we’re making a difference in 2026

How we’re making a difference in 2026

Twenty years in business gives you a certain perspective. You watch technology change beyond recognition, you watch the market shift through booms and downturns, and you watch client needs evolve…

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Improving cash flow with invoice finance and business loans

Improving cash flow with invoice finance and business loans

Cash flow is the lifeblood of any business, yet it's one of the most common challenges SMEs face. Even profitable companies can find themselves short on cash if customers pay…

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20 community projects we’ve supported

20 community projects we’ve supported

At NGI Finance, 20 years in business has never just been about the numbers on a balance sheet. It's about the relationships we've built along the way and that most…

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Top sectors to watch in 2026

Top sectors to watch in 2026

As we mark 20 years in business finance, one of the things we've learned is that the sectors attracting the most lender appetite and generating the most interesting funding conversations,…

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Finance solutions for SMEs vs larger businesses

Finance solutions for SMEs vs larger businesses

The finance market for UK businesses is not one-size-fits-all. The products available, the lenders willing to consider an application and the terms on offer can vary considerably depending on the…

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How business finance has changed since 2006

How business finance has changed since 2006

When NGI Finance opened its doors in 2006, the UK business lending landscape looked very different from the one we operate in today. The high street banks dominated almost entirely.…

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Funding business growth by choosing the right finance product

Funding business growth by choosing the right finance product

Growth is the goal for most businesses, but funding it is rarely straightforward. The right finance product depends not just on how much you need to borrow, but on what…

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20 business finance lessons from our advisors

20 business finance lessons from our advisors

Twenty years in business finance teaches you a lot. You see businesses thrive because they made smart funding decisions at the right moment. You see others struggle because they waited…

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Guess the year – NGI trivia quiz

Guess the year – NGI trivia quiz

Twenty years in business means twenty years of watching the world of business finance change around us. We've navigated financial crises, a global pandemic, seismic shifts in the lending landscape…

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How to finance a business acquisition, options explained

How to finance a business acquisition, options explained

Buying a business is one of the most significant financial decisions a company can make. Whether you are acquiring a competitor, purchasing a supplier, or completing a management buyout, the…

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Financial challenges to try this summer

Financial challenges to try this summer

Summer has a habit of sneaking up on businesses. The school holidays, slower customer response times, team members taking annual leave, it can feel like a period to simply get…

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What Is acquisition finance and how does it work?

What Is acquisition finance and how does it work?

For many UK businesses, buying another company is one of the most effective ways to accelerate growth. Whether the goal is to acquire a competitor, enter a new market, or…

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20 fun finance facts you didn’t know

20 fun finance facts you didn’t know

As we celebrate 20 years of NGI Finance, we thought we'd mark the occasion with something a little different. We spend a lot of our time talking about business loans,…

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How we’ve helped generations achieve their goals

How we’ve helped generations achieve their goals

Business is rarely just about the present. For many entrepreneurs, it’s about creating something that lasts. Something that supports a family, builds opportunities for future generations and leaves behind more…

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Commercial mortgage deposits, rates and terms explained

Commercial mortgage deposits, rates and terms explained

When applying for a commercial mortgage, understanding how deposits, interest rates and loan terms work is essential. These three elements have a major impact on how much you can borrow,…

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Why our clients stick with NGI – Testimonials, trust & long-term relationships

Why our clients stick with NGI – Testimonials, trust & long-term relationships

In business finance, products matter, rates matter, speed matters. But relationships matter more. At NGI Finance, many of our clients don’t just work with us once. They come back again…

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Commercial mortgages explained: Buying business property

Commercial mortgages explained: Buying business property

For many business owners, buying their own premises is a key step towards long-term stability and growth. Whether it’s an office, warehouse, retail unit or industrial space, purchasing commercial property…

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20 stories of clients who inspire us

20 stories of clients who inspire us

Every business has a story. Some begin around a kitchen table. Others start in a workshop, a spare room, a van, or with one brave conversation that changes everything. At…

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The right and wrong approach to business finance

The right and wrong approach to business finance

Choosing the right business finance isn’t just about the product, it’s about who you choose to work with. Before committing to any funding solution, it’s essential to carry out proper…

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Future finance, what the next 20 years may bring

Future finance, what the next 20 years may bring

Celebrating 20 years and looking ahead As we continue to celebrate 20 years in business, it’s a perfect moment to reflect not only on the journey so far, but also…

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Invoice factoring versus invoice discounting, the key differences explained

Invoice factoring versus invoice discounting, the key differences explained

For many businesses, unpaid invoices can put a strain on cash flow. Invoice finance offers a solution by allowing you to access funds tied up in invoices. But within invoice…

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The tools NGI uses to keep clients ahead

The tools NGI uses to keep clients ahead

Celebrating 20 years of innovation, insight and outstanding financial support In today’s fast‑changing financial landscape, having the right tools matters. But tools alone aren’t enough. What makes the difference, especially…

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How invoice finance works and when to use it

How invoice finance works and when to use it

For many UK businesses, slow-paying invoices can create cash flow challenges. Even profitable companies can struggle if cash is tied up waiting for customers to pay. That’s where invoice finance…

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How financial tech has evolved over 20 years

How financial tech has evolved over 20 years

Celebrating 20 years of NGI Finance and the technology that shapes our industry As we continue to celebrate our 20 years in business, it’s incredible to reflect on how much…

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Behind the scenes, how we help our clients

Behind the scenes, how we help our clients

20 years of trusted support, tailored solutions and putting people first As NGI Finance celebrates 20 years in business, we’ve been reflecting on the milestones, the growth and the journey…

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Secured vs unsecured business loans: What’s the difference?

Secured vs unsecured business loans: What’s the difference?

When choosing business finance, one of the most important decisions is whether a secured or unsecured business loan is the right fit. Both can provide valuable funding for growth, cash…

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A day in the life of an NGI business finance specialist

A day in the life of an NGI business finance specialist

20 years of expertise, relationships and helping businesses move forward At NGI Finance, celebrating 20 years in business isn’t just about looking back at milestones, it’s about shining a light…

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Business loans explained: Types, terms and eligibility

Business loans explained: Types, terms and eligibility

For many UK businesses, a business loan is one of the most straightforward ways to access funding. Whether you need support with cash flow, stock purchases, expansion or unexpected costs,…

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20 years on and it’s all about the team

20 years on and it’s all about the team

At NGI Finance, celebrating 20 years in business is about far more than milestones and numbers. It’s about the people behind the journey, the relationships built, the expertise shared and…

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Finance myths busted: Then vs now

Finance myths busted: Then vs now

20 years of changing money mindsets with NGI Finance Over the last 20 years, NGI Finance has seen the business finance world transform from how companies fund growth and manage…

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Hire purchase vs leasing, which asset finance option is right for you?

Hire purchase vs leasing, which asset finance option is right for you?

For businesses looking to acquire equipment, vehicles or technology, asset finance is a flexible way to access what you need without paying the full cost upfront. Two of the most…

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Understanding mortgages, loans and investments in 2026

Understanding mortgages, loans and investments in 2026

Your modern financial guide – From 20 years of NGI Finance experience As NGI Finance celebrates 20 years of supporting businesses on their financial journeys, one thing has remained constant,…

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What is asset finance and how does it work for UK businesses?

What is asset finance and how does it work for UK businesses?

Asset finance is one of the most flexible funding options available to businesses looking to acquire equipment, vehicles, machinery or technology they need without tying up valuable working capital. Whether…

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20 tips to fall in love with your finances

20 tips to fall in love with your finances

Celebrating 20 years of NGI Finance helping businesses thrive At NGI Finance, celebrating two decades in business isn’t just about turnover and transactions, it’s about entrepreneurs, growth journeys and building…

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How lenders assess business finance applications

How lenders assess business finance applications

When an application is made for business finance, it can sometimes feel like the application disappears into a black box. One business is approved quickly, while another is asked for…

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Top 20 milestones in NGI Finance’s history

Top 20 milestones in NGI Finance’s history

Over the last 20 years, NGI Finance has built a strong and respected presence within the UK business finance market. From the early beginnings in 2006 to our position today,…

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Business finance options explained – Loans, asset finance & invoice finance

Business finance options explained – Loans, asset finance & invoice finance

For many business owners, the world of finance can feel complex, especially when they are looking to grow, invest or improve cash flow. Whether the business is a start-up or…

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NGI Finance: Two decades of helping clients achieve their financial aspirations

NGI Finance: Two decades of helping clients achieve their financial aspirations

In 2006, NGI Finance was founded with a clear purpose to make business finance easier to understand, more accessible and better aligned to the real needs of UK businesses. Twenty…

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2026 trends in SME finance, what business owners should prepare for now

2026 trends in SME finance, what business owners should prepare for now

As SMEs look ahead to 2026, the financial landscape is set to evolve in ways that will influence borrowing, investment and day-to-day cash flow management. With economic conditions stabilising and…

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Celebrating another enjoyable year and looking forward to 2026

Celebrating another enjoyable year and looking forward to 2026

As the year draws to a close, we are all looking forward to some well-deserved downtime to enjoy the festive season with family and friends. This time of year also…

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Corporation tax deadlines, what company directors need to know

Corporation tax deadlines, what company directors need to know

As the financial year progresses, one of the most important responsibilities for UK company directors is staying ahead of corporation tax deadlines. Ensuring your company pays the right amount of…

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How to conduct a year-end finance review and set goals for 2026

How to conduct a year-end finance review and set goals for 2026

As the year draws to a close, many SME owners turn their attention to reviewing financial performance and building a strategy for the year ahead. A structured year-end finance review…

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How new lease reporting could change your borrowing power

How new lease reporting could change your borrowing power

If you lease vehicles, equipment, property or machinery, your 2026 accounts are going to look very different. New FRS 102 rules mean those operating leases you've kept off the balance…

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Your year-end financial checklist for SMEs, what to do before 31 December

Your year-end financial checklist for SMEs, what to do before 31 December

As the end of the calendar year approaches, small and medium-sized enterprises (SMEs) face a crucial opportunity to review their finances, optimise their tax position and ensure compliance with regulatory…

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How to financially prepare your business for 2026 tax changes

How to financially prepare your business for 2026 tax changes

With 2026 on the horizon, many businesses are starting to consider how upcoming tax changes could affect their financial position. From potential adjustments to corporation tax and capital allowances to…

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Pros and cons of revolving credit facilities for growing businesses

Pros and cons of revolving credit facilities for growing businesses

For many growing businesses, access to flexible finance can mean the difference between maintaining momentum and missing out on an opportunity. A revolving credit facility (RCF) is one such funding…

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Corporation tax deadlines: What every business should know before year-end

Corporation tax deadlines: What every business should know before year-end

As the financial year draws to a close, it’s essential for businesses to prepare for their corporation tax obligations. Staying ahead of deadlines not only ensures compliance but also helps…

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Unlocking smart business finance – A fifteen-minute guide

Unlocking smart business finance – A fifteen-minute guide

In today’s fast-moving business world, it’s not enough just to know you need funding. It’s about understanding the right way to access it and that’s where the role of a…

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How to use finance as a buffer against economic uncertainty

How to use finance as a buffer against economic uncertainty

Periods of economic uncertainty can challenge even the most resilient businesses. Fluctuating markets, rising costs and shifting customer demand can all place pressure on cash flow and planning. In these…

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The role of equipment financing in scaling operations

The role of equipment financing in scaling operations

Scaling operations requires investment and for many businesses, equipment is at the heart of that growth. From machinery and vehicles to technology and specialised tools, having access to the right…

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Seasonal cash flow gaps, how to stay financially stable in Q4

Seasonal cash flow gaps, how to stay financially stable in Q4

As the final quarter of the year approaches, many businesses experience increased financial pressure. Seasonal fluctuations in demand, rising costs and year-end expenses can all contribute to cash flow challenges.…

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Planning for business expansion? Here’s how to align your finance options

Planning for business expansion? Here’s how to align your finance options

Expanding a business is an exciting milestone, whether it’s opening new locations, launching new products, investing in technology, or growing the team. But with every opportunity comes increased financial demand.…

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When to use asset finance. A sector-by-sector breakdown

When to use asset finance. A sector-by-sector breakdown

A well-timed asset finance strategy can be the key to unlocking growth, maintaining cash flow and staying competitive, regardless of the sector. Asset finance allows businesses to acquire essential equipment,…

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Business credit scores – how to build and maintain a healthy score

Business credit scores – how to build and maintain a healthy score

A business credit score is one of the most important indicators of financial health and it plays a major role in determining access to funding. Whether it is applying for…

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How invoice finance works – Is it right for your business?

How invoice finance works – Is it right for your business?

For many businesses, cash flow is the biggest challenge. They have done the work, sent the invoice, but are waiting 30, 60 or even 90 days to get paid. This…

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The UK growth guarantee scheme – Are you eligible?

The UK growth guarantee scheme – Are you eligible?

Access to finance is a critical driver of business growth and for many UK SMEs, the Growth Guarantee Scheme (GGS) could be the key to unlocking their next stage of…

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How to build a funding strategy to support your 2026 business goals

How to build a funding strategy to support your 2026 business goals

A well-planned funding strategy can play a major role in a company achieving its 2026 business goals. Whether the focus is growth, expansion, new product launches or simply improving cash…

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Understanding business credit scores and how they affect your financing options

Understanding business credit scores and how they affect your financing options

A business credit score is a key gauge of financial health and it plays a huge role in determining future financing prospects. A credit agency will assess payment history, level…

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Spring budget 2025: Key takeaways for UK businesses and how they impact your finance options

Spring budget 2025: Key takeaways for UK businesses and how they impact your finance options

The UK Spring Budget 2025 delivered a range of measures aimed at boosting SME growth, innovation and green investment. We have translated how the announcements can shape a business financing…

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The pros and cons of asset finance versus business loans

The pros and cons of asset finance versus business loans

Choosing between asset finance and a traditional business loan is simple, it comes down to a business’s cash‑flow needs, collateral availability and desired flexibility. The following provides a bit more…

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How to prepare your business for growth with the right finance strategy

How to prepare your business for growth with the right finance strategy

Growing sustainably takes more than ambition; it requires a well-structured finance strategy that supports scaling without strain. Let’s explore how to prepare a business for growth.  Be crystal-clear on the…

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Scaling your business, when is the right time to seek external finance?

Scaling your business, when is the right time to seek external finance?

Scaling a business is one of the most exciting stages in the entrepreneurial journey, but it’s also one of the most resource intensive. Whether its launching into new markets, expanding…

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How to finance green and sustainable business investments

How to finance green and sustainable business investments

Sustainability is no longer a buzzword but a strategic priority. From switching to low-emission vehicles and upgrading to energy-efficient systems, to investing in circular supply chains, more UK businesses are…

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Chris Morris joins Elite Guild of Business Finance Professionals

Chris Morris joins Elite Guild of Business Finance Professionals

We are delighted to announce that our Managing Director, Chris Morris, has been invited to join the prestigious Guild of Business Finance Professionals. This is an exclusive group of just…

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Alternative business finance options – What’s available beyond traditional loans?

Alternative business finance options – What’s available beyond traditional loans?

In a landscape where agility matters more than ever, businesses are increasingly looking beyond traditional term loans to fund growth, manage cash flow, or invest in assets. From short-term projects…

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Business vehicle upgrade trends: The role of finance in new registrations

Business vehicle upgrade trends: The role of finance in new registrations

As we hit the halfway mark of 2025, the commercial vehicle market is undergoing a significant transformation. Businesses, especially those in construction, utilities, logistics, and hospitality are increasingly upgrading fleets…

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HMRC tightens late payment penalties and boosts enforcement in April 2025

HMRC tightens late payment penalties and boosts enforcement in April 2025

As of April 2025, HMRC has implemented significant changes to its late payment penalty regime, aiming to enhance compliance and ensure timely tax payments from UK businesses. Increased late payment…

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How dentists can access finance for new equipment and practice growth

How dentists can access finance for new equipment and practice growth

Investing in new dental equipment or expanding a practice can significantly improve patient care and boost the business. But with high costs associated with state-of-the-art technology and practice upgrades, accessing…

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Funding options for nurseries: Expanding childcare facilities with finance

Funding options for nurseries: Expanding childcare facilities with finance

Demand for high-quality childcare continues to grow, and for nursery owners, expansion can offer exciting opportunities. Whether the need is to open a new location, renovate existing space, or invest…

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Top finance solutions for retailers preparing for the summer season

Top finance solutions for retailers preparing for the summer season

The summer season is a crucial time for many retailers. With increased footfall, seasonal promotions, and higher demand for goods and services, it’s also a time when cash flow can…

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Franchise funding: How to secure finance for your franchise expansion

Franchise funding: How to secure finance for your franchise expansion

Expanding a franchise is an exciting milestone, but it often comes with a significant financial investment. Whether its launching additional locations, hiring staff, or upgrading equipment, having the right funding…

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Finance solutions for leisure and hospitality ahead of the summer rush

Finance solutions for leisure and hospitality ahead of the summer rush

Summer can be a crucial period for many leisure and hospitality businesses. From seaside cafes to boutique hotels, the warmer months offer a surge in demand, but they also bring…

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How to use business loans effectively to boost working capital

How to use business loans effectively to boost working capital

When used strategically, business loans can be a powerful tool to improve working capital, support growth, and provide resilience during uncertain times. The key lies in choosing the right type…

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The role of invoice finance in managing cash flow for SMEs

The role of invoice finance in managing cash flow for SMEs

Maintaining a steady cash flow is a common challenge faced by an SME, especially in industries where long payment terms are the norm. Invoice finance can help to solve this…

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Start of the financial year: How to maximise tax benefits with asset finance

Start of the financial year: How to maximise tax benefits with asset finance

The start of a new financial year is the perfect time for a business to re-evaluate budgets, review investment strategies, and identify opportunities for better tax efficiency. One area that…

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Our 10 benefits of asset finance

Our 10 benefits of asset finance

Asset finance is an essential funding solution for businesses looking to acquire necessary equipment, vehicles, or machinery without incurring significant upfront costs. Here are our top 10 benefits of asset…

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How business finance can be used to fulfil growth

How business finance can be used to fulfil growth

For businesses looking to expand, business finance plays a crucial role in facilitating growth. Whether it's scaling operations, investing in new technology, or increasing market reach, the right financial support…

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The top 5 industries currently using business finance in the UK

The top 5 industries currently using business finance in the UK

Business finance is a critical tool for companies seeking growth, stability, and expansion. Various industries in the UK rely on financing options such as asset finance, invoice financing, and business…

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Understanding the tax implications of asset finance – what businesses need to know

Understanding the tax implications of asset finance – what businesses need to know

Asset finance can be a valuable tool for businesses looking to acquire essential equipment, vehicles, or machinery without having significant upfront cost. While asset finance can improve cash flow and…

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Invest in your commercial property

Invest in your commercial property

Investing in commercial property is a positive move for business owners looking to secure long-term stability, build equity, and reduce rental costs. Instead of leasing, owning business premises through a…

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5 signs you are ready for a business loan

5 signs you are ready for a business loan

Securing a business loan is a big step, but how does a business really know if it is truly ready? Here are five key signs that indicate they are in…

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Fixed rate vs variable rate – what is the best option?

Fixed rate vs variable rate – what is the best option?

When choosing business finance, one of the biggest decisions is whether to opt for a fixed-rate or variable-rate loan. Each option has its pros and cons, and the right choice…

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Top 5 mistakes to avoid when applying for business finance

Top 5 mistakes to avoid when applying for business finance

Applying for business finance can be a very important step in ensuring the growth and sustainability of a business. However, there are often obstacles faced during this process due to…

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Why are unsecured loans so popular?

Why are unsecured loans so popular?

Unsecured loans have gained significant popularity among borrowers due to their accessibility and flexibility. Unlike secured loans, unsecured loans do not require collateral, making them an attractive option for individuals…

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Leasing versus hire purchase, what are the options?

Leasing versus hire purchase, what are the options?

When businesses consider acquiring assets such as equipment or vehicles, typically there are two primary financing options available, these are leasing and hire purchase. Understanding the distinctions between these methods…

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How do interest rates impact a business loan

How do interest rates impact a business loan

Interest rates are a pivotal component of the UK's economic framework, directly influencing the cost of borrowing for businesses. Understanding how these rates affect business loans is essential for companies…

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Understanding the importance of working capital for SMEs

Understanding the importance of working capital for SMEs

Working capital is essential for an SME (small to medium-sized enterprise). It enables them to manage daily operations, invest in growth opportunities, and navigate financial challenges. Being able to effectively…

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Alternative financing options to a loan

Alternative financing options to a loan

Traditional business loans are a popular way to secure funding, but they’re not the only option available to a UK business. Whether the need is to manage cash flow, invest…

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Simplify the tax season

Simplify the tax season

Managing tax payments can be challenging, especially as deadlines approach. We provide a personalised tax funding solution designed to ease the financial strain and help you maintain steady cash flow. …

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Our guide to asset finance

Our guide to asset finance

For many businesses, acquiring equipment, vehicles, or new technology can be a significant financial challenge. Asset finance provides a practical solution, offering flexible funding options that allow businesses to access…

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Mastering cash flow, the strategies to keep a business financially healthy

Mastering cash flow, the strategies to keep a business financially healthy

Cash flow is the lifeblood of any business. Even profitable companies can face financial challenges if cash flow isn’t managed effectively. In fact, poor cash flow is one of the…

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5 budgeting mistakes that could hurt your business growth

5 budgeting mistakes that could hurt your business growth

Effective budgeting is an important factor for any business. However, it is easy to fall into common budgeting traps which can stifle growth. Understanding these mistakes and being able to…

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Why planning for business finance is essential for success

Why planning for business finance is essential for success

Financial planning is the backbone of every successful business, regardless of its size or industry. Without a clear financial plan, businesses risk running out of cash, overspending, or missing opportunities…

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Wishing everyone a Merry Christmas

Wishing everyone a Merry Christmas

As the year winds down, we’re gearing up for some well-deserved downtime to enjoy the festive season with family and friends. This time of year always encourages us to reflect…

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Why the festive season brings business cheer

Why the festive season brings business cheer

The festive season is a time of celebration, joy, and of course spending! It often marks the most significant period for businesses across all sectors. For NGI Finance, as a…

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Why businesses should consider commercial investment mortgages

Why businesses should consider commercial investment mortgages

For businesses looking to expand, diversify, or invest in property, commercial investment mortgages offer an effective way to finance property acquisitions. These mortgages are specifically designed for purchasing commercial properties,…

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How to effectively use business finance data to drive growth

How to effectively use business finance data to drive growth

Being able to leverage business finance data is essential for companies who are looking to drive sustainable growth. Having accurate financial data will provide insights helping to streamline operations, identify…

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Explaining leisure finance

Explaining leisure finance

The leisure industry is a diverse and dynamic sector that includes everything from hospitality and tourism to sports, recreation, and entertainment. Whether it's investing in a new complex, expanding to…

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