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 and everything in between. All while helping UK businesses secure the funding they need to grow. To mark our 20th anniversary, we thought it would…
read moreSummer 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 through rather than make the most of. But for business owners who use the summer months wisely, it can be one of the most productive…
read moreWhen 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, what you will pay each month and the overall cost of purchasing business property. Unlike residential mortgages, commercial lending is based more heavily on business…
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 moreFor 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 comes in, a solution that allows businesses to unlock cash tied up in unpaid invoices and maintain smooth operations. Understanding how invoice finance works and…
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 moreYour 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, the financial landscape never stands still. By 2026, the way businesses borrow, invest and fund growth has continued to evolve. Interest rates shift, technology accelerates…
read moreA 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 of debt, company structure (e.g. limited or sole trader) and any public records (such as CCJ’s). A score is then generated which a lender will…
read moreChoosing 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 detail to help with the considerations. Asset Finance Pros Purchase essential equipment (vehicles, machinery, technology, etc) without draining cash flow. Assets themselves act as collateral,…
read moreInvesting 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 commercial mortgage can offer significant financial and strategic advantages. There are several reasons why: Build long-term equity When purchasing a commercial property, every mortgage payment…
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