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 size, maturity and financial profile of the business applying. Understanding how finance options differ across business sizes, from early-stage SMEs through to growing mid-market firms…
read moreWhen 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. Alternative finance was barely a concept and the idea that a business could secure a loan in hours, entirely online, from a lender that hadn't…
read moreGrowth 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 you are trying to achieve, how quickly you need the funds and what your business can comfortably support in terms of repayments. Choosing the wrong…
read moreTwenty 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 too long, borrowed the wrong way, or didn't know what was available to them. You learn that access to the right finance at the right…
read moreBuying 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 way you structure the funding can be just as important as the deal itself. Understanding the financing options available and how they can be combined,…
read moreFor 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 can provide security and potentially build business value over time. A commercial mortgage is the most common way to finance this type of purchase. Understanding…
read moreCelebrating 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 over 20 years in business, is knowing which tools to use, how to use them and how to combine them with expert insight to help…
read moreCelebrating 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 the world of finance has changed and nowhere is this more evident than in financial technology. When NGI Finance began, technology was already a helpful…
read more20 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 that has brought us here. But behind every success story is something even more important: the work that happens behind the scenes. While clients often…
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…
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