Having a business finance application declined is frustrating, particularly when the funding is needed for a contract, a purchase or a growth opportunity. The good news is that most declines come down to a handful of common issues and many of them can be addressed before an application is ever submitted. Understanding why applications fail…
read moreWhen a business applies for finance, one of the first things a lender will do is look at credit history. It gives them a quick picture of how the business and often its directors, have handled borrowing and payments in the past. Understanding what lenders see and how it influences their decision can help you…
read moreWhen NGI Finance opened its doors in September 2006, the financial world looked very different. The iPhone didn't exist yet, high street banks were lending freely, and we saw banking customers queuing outside a branch to withdraw their savings. Twenty years on, almost everything has moved. As part of our #ngi20 anniversary series, here are…
read moreFor many businesses, commercial or even residential property represents one of the most valuable assets on the balance sheet, yet it's often left untapped. Property-backed lending allows businesses to unlock the equity built up in a property and put it to work funding growth, whether that's expanding into new premises, investing in equipment, or simply…
read moreChoosing 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 due diligence on the lender or broker they’re engaging with. Sharing financial information, business data and future plans is a significant step and businesses should…
read moreWhen 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 flow or one-off costs, but they work in different ways and suit different business circumstances. Understanding the difference can help you make a more informed…
read more20 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 on the people who make the journey possible every single day. Behind every funding solution, client conversation and success story is a team committed to…
read moreFor 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, the right loan can provide flexible working capital without giving up equity. However, not all business loans work in the same way. Understanding the main…
read moreWhen 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 more information, or declined. In this guide, we explain the key factors lenders look at when reviewing applications for business loans, asset finance and invoice…
read moreFor 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 an established SME, understanding the funding options is key to making informed decisions. In this guide, we explain three of the most common and effective…
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