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, shift over time. The businesses that thrive are often the ones that recognise where the momentum is building and position themselves to take advantage of…
read moreThe 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 moreAs 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, asset finance and invoice factoring (and rightly so) but finance as a subject has a genuinely fascinating history behind it. From the origins of banking…
read moreOver 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, the journey has been shaped by innovation, resilience and a constant focus on supporting our clients. Our story began in 2006, when we established ourselves…
read moreAs 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 requirements. A well-planned year-end process not only reduces stress in January but also strengthens cash flow, highlights growth opportunities and supports better decision-making for the…
read moreMaintaining 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 challenge by allowing businesses to unlock cash tied up in unpaid invoices and focus on growth. What is invoice finance? Invoice finance allows businesses to…
read moreWorking 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 manage working capital ensures that businesses have sufficient cash flow to cover short-term obligations and capitalise on new growth initiatives. What is Working Capital? Working…
read moreCash 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 primary reasons SME’s struggle to grow. Mastering cash flow isn’t just about ensuring bills are paid on time; it’s about creating a sustainable financial structure…
read moreStatistics collected by the Government in 2022 show that the SME sector accounts for 99.9% of the business population. If we break this down there are 5.5 million private sector businesses, 1.4 million employ staff and 4.1 million have no employees. Analysing further 5.47 million fit in to the small business category (0 to 49…
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