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. 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 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 moreFor 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 option that offers ongoing access to capital, allowing businesses to borrow, repay and borrow again as needed. It’s a powerful tool for managing cash flow,…
read moreTraditional 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 in growth, or navigate a challenging period, there are alternative financing options tailored to diverse business needs. Here’s a guide to the most effective alternatives…
read moreManaging tax can be a critical part of running a business but it can often be complex and overwhelming, especially for companies that face large tax bills or seasonal cash flow challenges. Tax finance is an innovative solution that offers businesses the opportunity to better manage their tax liabilities, allowing them to maintain cash flow,…
read moreA credit score is a numerical representation of a business’s creditworthiness and is used by lenders to assess the likelihood of a borrower being able to repay a loan. The calculation is based on factors such as longevity of the business, payment history, amount owed, length of credit history, new credit applications/enquiries and types of…
read moreDid you know that asset finance is the ideal funding solution for facilitating business growth. Of course, the perfect situation for expansion is when a business has excellent cashflow and can procure assets using money stored in their bank account. However due to the financial implications of running a business it is very rare to…
read moreThere are some simple steps that a business can take in order to put themselves in the very best position of securing funding. It is not just about demonstrating how successful you have been, a lender will want to be presented with a strong business case to ensure they are 100% confident that everyone involved…
read moreAcquisition finance is designed for the sole purpose of enabling one company to buy another. It provides the funds to enable growth by acquiring another business that fits in with their plans and forecasts. Fulfilling growth plans To be in a position to purchase an existing business or franchise is an incredible opportunity for fulfilling…
read moreBridging finance is a type of short-term loan. It is often associated with property development but is actually a diverse solution for bridging any type of financial gap. It has multiple uses where business funding is needed for around 12 to 18 months before a more longer-term solution can be made available. The key difference…
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