# The Finance Brokers

> Whole-of-market business finance brokers helping UK businesses and property developers access the right funding at the right time. Panel of 300+ UK lenders. No upfront fees.

Key facts:

- Products: secured and unsecured business loans, invoice finance, asset finance, VAT and tax loans, merchant cash advance, trade finance, bridging refinance, commercial mortgages, development finance, property finance
- Coverage: United Kingdom
- Contact: ben@thefinancebrokers.co.uk (Mon–Fri, 9am–6pm) or https://www.thefinancebrokers.co.uk/contact

## Services

- [Secured Business Loans](https://www.thefinancebrokers.co.uk/services/secured-business-loans): Secured business loans from £25,000 to £10M against commercial property, residential investment, plant or equipment. Competitive rates from a panel of 300+ UK lenders. No upfront fees.
- [Unsecured Business Loans](https://www.thefinancebrokers.co.uk/services/unsecured-business-loans): Unsecured business loans from £1,000 to £500,000 with no collateral required. Decisions in 24–48 hours from a panel of 300+ UK business lenders. No upfront fees.
- [Invoice Finance](https://www.thefinancebrokers.co.uk/services/invoice-finance): Unlock up to 90% of your unpaid invoices. Factoring, invoice discounting, and selective facilities from £50k to £25M. Confidential facilities available. No upfront fees.
- [Asset Finance](https://www.thefinancebrokers.co.uk/services/asset-finance): Asset finance from £10,000 to £5M. Hire purchase, finance leasing, operating leases, sale and leaseback, and refinance across vehicles, plant, machinery, and IT. Decisions in 24–72 hours.
- [VAT & Tax Loans](https://www.thefinancebrokers.co.uk/services/vat-tax-loans): VAT and Corporation Tax loans from £10,000 to £2M. Spread quarterly VAT, annual Corporation Tax, and PAYE bills over 3–12 months. Decisions in 24–48 hours. Cheaper than HMRC penalty interest.
- [Merchant Cash Advance](https://www.thefinancebrokers.co.uk/services/merchant-cash-advance): Merchant cash advances from £5,000 to £500,000. Unsecured funding repaid as a percentage of daily card sales. Decisions in 24 hours. Ideal for retail, hospitality, and card-heavy businesses.
- [Trade & Import Finance](https://www.thefinancebrokers.co.uk/services/trade-finance): Trade finance from £50,000 to £10M. Import loans, letters of credit, purchase order finance, stock finance, and supply chain finance. Bridge the gap between paying suppliers and getting paid.
- [Bridging Refinance](https://www.thefinancebrokers.co.uk/services/bridging-refinance): Expert bridging loan refinance services for property developers. We help you exit your bridging finance with competitive long-term rates from our panel of 300+ lenders.
- [Commercial Mortgages](https://www.thefinancebrokers.co.uk/services/commercial-mortgages): Competitive commercial mortgage rates for BTL, HMO, mixed-use, and commercial properties. Whole-of-market access from our panel of 300+ lenders. Expert advice for UK property investors.
- [Development Finance](https://www.thefinancebrokers.co.uk/services/development-finance): Development finance for ground-up builds, conversions, and refurbishment projects. Phased drawdowns, GDV-based lending, and mezzanine bolt-ons from 300+ lenders across the UK.
- [Property Finance](https://www.thefinancebrokers.co.uk/services/property-finance): Flexible property finance solutions for investors, developers, and landlords. Bridging loans, commercial mortgages, development finance, mezzanine, auction finance, and more from 300+ lenders.

## Guides

- [Development Finance Documents Checklist (UK)](https://www.thefinancebrokers.co.uk/guides/development-finance-documents-checklist): Exactly what documents you need to apply for UK development finance: the scheme, the people and the money, plus what first-timers miss and how a broker packages it.
- [How AI Is Changing Commercial Lending in the UK](https://www.thefinancebrokers.co.uk/guides/how-ai-is-changing-commercial-lending): How AI is reshaping UK commercial lending in 2026: faster decisions, whole-of-market matching and data-driven underwriting, plus where a human broker is still decisive and what an AI-native broker means for you.
- [100% Development Finance: What It Really Means](https://www.thefinancebrokers.co.uk/guides/100-percent-development-finance): What 100% development finance actually means in the UK, the real routes to it (land equity, mezzanine, JV), what each costs, who qualifies, and the risks. An honest developer guide.
- [Ground-Up Development Finance: Requirements & Structures](https://www.thefinancebrokers.co.uk/guides/ground-up-development-finance): What ground-up development finance is, how it differs from refurbishment and bridging, how much you can borrow, typical rates and terms, what lenders check, and a worked example. A UK developer guide.
- [Development Exit Finance: What It Is and When to Use It](https://www.thefinancebrokers.co.uk/guides/development-exit-finance): What development exit finance is, how it differs from your development loan and standard bridging, typical LTV and terms, when to use it, and a worked example. A UK developer guide.
- [Development Finance for First-Time Developers](https://www.thefinancebrokers.co.uk/guides/development-finance-for-first-time-developers): Can a first-time developer get development finance? What UK lenders require, how to compensate for no track record, typical terms, and a worked first-scheme example.
- [LTC vs LTV vs GDV vs LTGDV: Developer Metrics Explained](https://www.thefinancebrokers.co.uk/guides/ltc-vs-ltv-vs-gdv): The four ratios that decide how much development finance you can borrow (LTV, LTC, GDV and LTGDV) explained plainly, with a worked example of which one caps your loan.
- [Development Finance Rates & Fees: What Drives Pricing](https://www.thefinancebrokers.co.uk/guides/development-finance-rates): UK development finance rates explained: typical interest rate ranges, the full fee stack, what makes pricing cheaper or more expensive, and a worked all-in cost example.
- [Bridging Finance Criteria: What Lenders Actually Check](https://www.thefinancebrokers.co.uk/guides/bridging-finance-criteria): What UK bridging lenders look at before approving a loan: property type, LTV, exit strategy, credit history, and experience. Know what to expect before you apply.
- [How to Calculate Bridging Loan Interest: True Cost Guide](https://www.thefinancebrokers.co.uk/guides/bridging-interest-calculator): Work out the true cost of a bridging loan: rolled-up vs retained interest with worked examples, plus the fees lenders add. Expert UK broker help.
- [Bridging Refinance FAQs: 30 Common Questions Answered](https://www.thefinancebrokers.co.uk/guides/bridging-refinance-faq): The most common questions about bridging finance and refinancing a bridging loan, answered clearly. Exit strategies, criteria, costs, timelines, and more.
- [Development Finance Guides & Resources Hub](https://www.thefinancebrokers.co.uk/guides/development-finance-hub): A complete guide hub for UK property development finance: how it works, rates, drawdowns, GDV, LTC, and how to structure your funding from land purchase to practical completion.
- [Bridging Loan Exits & Refinance: Complete UK Resource Hub](https://www.thefinancebrokers.co.uk/guides/exits-refinance-hub): Everything you need to exit a bridging loan or refinance from short-term to long-term finance. Guides on exit strategies, rebridging, costs, criteria, and more.
- [How Development Finance Works: Drawdowns, QS Reports & Interest](https://www.thefinancebrokers.co.uk/guides/how-development-finance-works): The mechanics of a UK development finance loan in practice: how the drawdown process works, what a Quantity Surveyor monitors, how interest accrues, and what happens at practical completion.
- [Missed Your Bridging Loan Exit Deadline? Rescue Refinance Options](https://www.thefinancebrokers.co.uk/guides/missed-exit-deadline-rescue-refinance): Bridging loan expiring and your exit hasn't landed? Here's exactly what to do: rescue refinance options, lender negotiations, and a fast action plan to avoid default.
- [Property Finance Fees Explained: Arrangement, Exit, Legal & Valuation](https://www.thefinancebrokers.co.uk/guides/property-finance-fees-explained): A complete breakdown of every fee you'll pay on a UK bridging loan or property finance deal: arrangement, exit, broker, legal, valuation, and more. No surprises.
- [Selling vs Refinancing as Your Bridging Loan Exit Strategy](https://www.thefinancebrokers.co.uk/guides/selling-vs-refinancing-exit-strategy): Should you sell the property or refinance onto a mortgage when exiting a bridging loan? A practical comparison of both strategies, with decision criteria, timelines, and costs.
- [What Is Development Finance? UK Property Developer Guide (2026)](https://www.thefinancebrokers.co.uk/guides/what-is-development-finance): Development finance explained: how it works, what it funds, who qualifies, and how it differs from bridging. A complete guide for UK property developers in 2026.
- [How to Get an Unsecured Business Loan in the UK](https://www.thefinancebrokers.co.uk/guides/how-to-get-an-unsecured-business-loan-uk): Step-by-step guide to applying for an unsecured business loan in the UK: what lenders look for, what documents you need, and how to maximise your chances of approval.
- [Secured vs Unsecured Business Loans: Which Is Right for You?](https://www.thefinancebrokers.co.uk/guides/secured-vs-unsecured-business-loans): A clear comparison of secured and unsecured business loans in the UK: how they differ on cost, speed, loan size and risk, and how to choose between them.
- [What Is an Unsecured Business Loan? A UK Guide](https://www.thefinancebrokers.co.uk/guides/what-is-an-unsecured-business-loan): Plain-English guide to unsecured business loans in the UK: how they work, what they cost, who qualifies and when to use one.
- [Bridging Loan vs Mortgage: Which Fits Your Deal?](https://www.thefinancebrokers.co.uk/guides/bridging-loan-vs-mortgage): Compare bridging finance vs mortgages for UK property deals. See when each product fits, the costs, risks, and how developers structure bridge-to-term journeys.
- [Rebridging Explained: When Your Exit Fails](https://www.thefinancebrokers.co.uk/guides/rebridging): Exit delayed? Learn how rebridging works, what lenders check, costs involved and a fast action plan to avoid forced sale or default. UK property developers.
- [Can You Refinance an Existing Bridging Loan?](https://www.thefinancebrokers.co.uk/guides/refinance-existing-bridging-loan): Learn when you can refinance an existing bridge, what lenders require, costs to expect, and alternatives if refinancing isn't viable. UK property developers.
- [Remortgage After Bridging Finance: UK Guide](https://www.thefinancebrokers.co.uk/guides/remortgage-after-bridging-loan): Move from short-term bridging to long-term finance. Timeline, documents, lender checks, common pitfalls and FAQs for UK property developers.
- [Bridging Loan Exit Strategy: A Developer's Guide](https://www.thefinancebrokers.co.uk/guides/bridging-loan-exit-strategy): How to plan a successful bridging loan exit. Covers exit types, timelines, lender criteria, and what to do when your exit falls through. UK property developers.
- [Bridging Refinance: Guides & Resources Hub](https://www.thefinancebrokers.co.uk/guides/bridging-refinance-hub): Everything you need to know about exiting a bridging loan, from exit strategies and timelines to refinance options and costs. Guides for UK property developers.
- [LTV vs LTC Explained: Key Ratios for Property Finance](https://www.thefinancebrokers.co.uk/guides/ltv-vs-ltc-explained): Understand the difference between Loan to Value and Loan to Cost: two ratios that determine how much you can borrow for property deals in the UK.
- [What is Bridging Finance? The Complete UK Guide (2026)](https://www.thefinancebrokers.co.uk/guides/what-is-bridging-finance): Bridging finance explained in plain English: how it works, what it costs, when to use it, and how to qualify. UK-focused guide for property investors and developers.

## Glossary

- [QS Report (Quantity Surveyor / Monitoring Surveyor)](https://www.thefinancebrokers.co.uk/glossary/qs-report): What a QS report is in development finance: the monitoring surveyor's role, what each report checks, and how it controls your drawdowns. Plain-English UK guide.
- [Rolled-Up vs Retained Interest](https://www.thefinancebrokers.co.uk/glossary/rolled-up-vs-retained-interest): The two main ways bridging loan interest is structured in the UK: rolled-up (added to the loan balance monthly) vs retained (deducted from the advance upfront). Plain-English definition with examples.
- [Unsecured Business Loan](https://www.thefinancebrokers.co.uk/glossary/unsecured-business-loan): Plain-English definition of an unsecured business loan: what it is, how it differs from secured lending, and when UK businesses use one.
- [Bridging Loan](https://www.thefinancebrokers.co.uk/glossary/bridging-loan): What a bridging loan is, how it works, and when UK property developers and investors use them. Plain-English definition.
- [GDV Meaning: Gross Development Value Explained](https://www.thefinancebrokers.co.uk/glossary/gdv): GDV meaning explained: what Gross Development Value is in property and development finance, how it's calculated, and why lenders use it. Plain-English UK guide.

## Company

- [About The Finance Brokers](https://www.thefinancebrokers.co.uk/about)
- [Contact and enquiries](https://www.thefinancebrokers.co.uk/contact)

## For AI agents and developers

- [The Finance Brokers API reference](https://www.thefinancebrokers.co.uk/developers): read-only endpoints for the service catalogue, glossary and guides, plus a documented enquiry endpoint.
- [OpenAPI 3.1 specification](https://www.thefinancebrokers.co.uk/openapi.json): machine-readable description of every endpoint.
- [MCP server](https://www.thefinancebrokers.co.uk/.well-known/mcp): Model Context Protocol discovery document; Streamable HTTP endpoint at https://www.thefinancebrokers.co.uk/api/mcp.
- Markdown: append `.md` to any page URL, or send `Accept: text/markdown`, to get that page as clean markdown.

## Optional

Market news and commentary:

- [Bridging Lenders Are Reopening the Door to Adverse Credit](https://www.thefinancebrokers.co.uk/blog/adverse-credit-bridging-lenders-widen-criteria-2026): CHL now considers unsatisfied CCJs and arrears on bridging from 0.7% a month. What 'adverse credit considered' actually means for a borrower.
- [A Distillery Borrowed £11m Against Unsold Whisky](https://www.thefinancebrokers.co.uk/blog/shawbrook-inventory-backed-abl-glasgow-distillery-2026): Shawbrook lent Glasgow Distillery £11m against maturing Scotch. Inventory-backed lending is the working capital line stock-heavy SMEs rarely get offered.
- [£218m Lender, £430m Buyer, One £650m SME Platform](https://www.thefinancebrokers.co.uk/blog/time-finance-ultimate-finance-acquisition-2026): Bentley Park, owner of Ultimate Finance, agreed a £55m cash takeover of Time Finance on 17 August. What a £650m combined SME lender means for borrowers.
- [43% of Regulated Bridging Value Came From 93 Loans](https://www.thefinancebrokers.co.uk/blog/high-value-regulated-bridging-fca-data-2026): FCA data shows 93 loans over £1m took 43% of England's regulated bridging value in Q1 2026. What the concentration tells borrowers at every deal size.
- [A Bank Just Put Another £50m Behind a Bridging Lender](https://www.thefinancebrokers.co.uk/blog/hope-capital-shawbrook-50m-funding-line-2026): Shawbrook raised Hope Capital's committed facility to £50m on 10 August, taking its total funding to £160m across three partners. Why the stack matters.
- [£34bn of New Lending Didn't Come From a Bank](https://www.thefinancebrokers.co.uk/blog/non-bank-lenders-34bn-h1-2026): FLA members wrote £84.3bn of new finance in the first half of 2026. Non-bank lenders provided £34.4bn of it. Here is what that share means for SME borrowers.
- [Finance Firms Are Bullish Again. SMEs Are Not.](https://www.thefinancebrokers.co.uk/blog/sme-confidence-gap-fla-outlook-2026): FLA members' pessimism fell from 81% to 61%, and 63% expect to write more business. Yet 30% of SMEs missed a growth opportunity for want of finance.
- [A Lender Just Failed Over a Bill Nobody Has Paid Yet](https://www.thefinancebrokers.co.uk/blog/blue-motor-finance-collapse-redress-bill-vehicle-finance): Blue Motor Finance entered administration on 30 July and was sold to Hodge Bank days later. The £9.1bn motor redress bill has not paid out a penny.
- [iwoca Raised £250m. The £50k-£100k Loan Is Why.](https://www.thefinancebrokers.co.uk/blog/iwoca-250m-mid-sized-sme-loans-2026): Loans of £50k to £100k jumped from 27% to 42% of SME applications in a year. iwoca just raised £250m to serve them. Here is what that shift means for borrowers.
- [83% of Developers Now Expect to Use Specialist Finance](https://www.thefinancebrokers.co.uk/blog/developers-specialist-finance-octane-survey-2026): Octane Capital's latest survey: 83% of developers expect to use specialist lending, up from 72%, while 57% are less likely to break ground. What the split means.
- [Truck Buying Fell 14.7%. Truck Finance Grew 7%.](https://www.thefinancebrokers.co.uk/blog/hgv-fleet-renewal-truck-finance-2026): UK HGV registrations fell 14.7% in Q2 2026 while commercial vehicle finance rose 7%. Fleet renewal is stalling on cash flow, not on funding. Here is the gap.
- [England Missed Its Housing Target by 91,400 Homes](https://www.thefinancebrokers.co.uk/blog/england-housing-target-shortfall-development-finance): England delivered 208,600 homes against a 300,000 target. Planning takes the blame, but funding stalls sites too. What it takes to unstall one.
- [Commercial Mortgage Rates Are Falling: HTB and YBS Cut](https://www.thefinancebrokers.co.uk/blog/commercial-mortgage-rates-falling-htb-ybs-july-2026): HTB cut semi-commercial rates and added a 65% LTV band, and YBS Commercial launched a sub-5% MUFB tracker, both on the same day. What it means for borrowers.
- [LendInvest Hit a Record £1.44bn. Here's Who It's Funding](https://www.thefinancebrokers.co.uk/blog/lendinvest-record-professional-landlords-2026): LendInvest just posted a record £1.44bn lending year, most of it buy-to-let. The bigger signal: who specialist lenders are now built to serve, and who's left out.
- [The Government Just Doubled Its SME Lending Scheme](https://www.thefinancebrokers.co.uk/blog/growth-guarantee-scheme-expansion-july-2026): The Growth Guarantee Scheme expands to £3.35bn a year, with 10-year terms and wider eligibility. Here's what it means for SME borrowers.
- [Shawbrook Just Lifted Commercial Bridging to 75% LTV](https://www.thefinancebrokers.co.uk/blog/shawbrook-commercial-bridging-ltv-75-july-2026): Shawbrook raised its maximum commercial bridging LTV to 75%, with day-one refurbishment LTVs up to 90% and lower monthly pricing. Why leverage matters more than rate.
- [1 in 5 Firms Lost a Deal Waiting for Finance](https://www.thefinancebrokers.co.uk/blog/funding-delays-lost-deals-shawbrook-2026): New Shawbrook research: 22% of mid-sized UK firms lost business to rivals because funding was too slow. In finance, speed now beats rate. Here is why.
- [Asset Finance: The Hidden Engine Behind UK SME Growth](https://www.thefinancebrokers.co.uk/blog/asset-finance-hidden-engine-fla-2026): The FLA's first Impact Report calls asset finance a hidden engine: £69bn lent in five months, £8.8bn to SMEs. Here is what it means for your business.
- [The £1 HGV Road Tax: What the Headline Leaves Out](https://www.thefinancebrokers.co.uk/blog/hgv-road-tax-1-pound-levy-2026): HGV road tax drops to £1 from 1 July 2026. The HGV levy has not gone, so a 40-tonne artic still pays around £805. Here is the real number.
- [Buy-to-Let Rates Are Falling: Paragon, Shawbrook and TML All Cut](https://www.thefinancebrokers.co.uk/blog/btl-rates-falling-paragon-shawbrook-tml-june-2026): Paragon, Shawbrook, TML and The Mortgage Works all trimmed buy-to-let pricing in late May and June 2026. What cheaper term rates mean for landlords and anyone exiting a bridge.
- [SMEs Repaid the Banks in May. The Money Didn't Vanish.](https://www.thefinancebrokers.co.uk/blog/sme-bank-borrowing-reversal-may-2026): BoE data shows UK business bank borrowing fell from £5.1bn to £1.2bn in May, and SMEs net repaid £0.1bn. This is not a credit crunch. Here's where the funding went.
- [Funding 365 Just Sold. UK Bridging Is Consolidating.](https://www.thefinancebrokers.co.uk/blog/funding-365-sold-bridging-consolidation): Balbec just bought specialist lender Funding 365. After MFS's collapse and a 28% drop in Q1 completions, UK bridging is consolidating. What it means for borrowers.
- [Retail Sales Beat Every Forecast. Now Fund the Demand.](https://www.thefinancebrokers.co.uk/blog/retail-sales-rebound-may-2026-working-capital): UK retail sales jumped 1.2% in May 2026, more than double the forecast. For consumer-facing SMEs, this is the working-capital window. Here is the play.
- [Banks Pulled Back. Asset Finance Just Hit a Record.](https://www.thefinancebrokers.co.uk/blog/asset-finance-record-march-2026): FLA data shows UK asset finance new business rose 9% in March 2026 to a record £4.5bn, with SMEs and commercial vehicles leading. Here is why it matters.
- [Bridging Lending Just Fell 28%. Here's the Real Story.](https://www.thefinancebrokers.co.uk/blog/bridging-development-finance-q1-2026-slowdown): Bridging completions fell 28% in Q1 2026, says the BDLA. Why a quieter market is not a credit crunch, and what it means for developers.
- [20 Straight Quarters of Growth, While Banks Pulled Back](https://www.thefinancebrokers.co.uk/blog/time-finance-250m-record-secured-lending): Time Finance just hit a record £250m loan book: its 20th straight quarter of growth. The engine isn't unsecured cash; it's invoice and asset finance. Here's why.
- [JPMorgan Just Backed the Lenders Your Bank Walked Away From](https://www.thefinancebrokers.co.uk/blog/global-banks-funding-uk-specialist-lenders): Bank-to-SME lending sits at a 30-year low, yet JPMorgan and Deutsche Bank just wrote cheques to two UK specialist lenders in a fortnight. The money didn't leave. It changed hands.
- [Bank Lending to SMEs Just Hit a 30-Year Low](https://www.thefinancebrokers.co.uk/blog/bcg-sme-bank-lending-30-year-low): BCG data shows UK bank lending to business has fallen to its lowest since 1998, and SME lending has halved since 2011. Here's where funding actually went.
- [SME Borrowing Sped Up in April, Even With Rates Frozen](https://www.thefinancebrokers.co.uk/blog/sme-borrowing-accelerated-april-2026-boe): BoE data shows UK SME borrowing growth accelerated to 4.2% in April 2026 as new-loan rates climbed to 6.16% and the base rate held at 3.75%. Here's why.
- [Overseas Capital Paused. Investec Lent £922m Anyway.](https://www.thefinancebrokers.co.uk/blog/investec-922m-uk-property-lending): Overseas investment in UK commercial property fell 30% in Q1. Investec just completed £922m of real estate lending. Here's what it means for developers.
- [PBSA Hit a Decade-High Q1. Shawbrook Just Launched £35m Loans.](https://www.thefinancebrokers.co.uk/blog/shawbrook-pbsa-launch-record-q1-student-housing-finance): £2.1bn flowed into UK student housing in Q1 2026, the strongest start in over a decade. Yesterday, Shawbrook launched a dedicated PBSA range up to £35m at rates from 5.99%.
- [£700m in New Asset Finance. Here's Who Can Access It.](https://www.thefinancebrokers.co.uk/blog/british-business-bank-allica-700m-asset-finance): The British Business Bank just backed a deal with Allica that unlocks £700m in asset finance for established UK businesses. Here's what it is and who qualifies.
- [iwoca's £250k Business Card Just Made Bank Cards Look Overpriced](https://www.thefinancebrokers.co.uk/blog/iwoca-business-credit-card-challenger-sme-finance): iwoca launched a £250k business credit card with zero fees and 1% cashback. Here's what it signals about the future of UK SME finance.
- [Every Big Four Bank Has Now Exited Invoice Factoring. Here's What That Means for SMEs.](https://www.thefinancebrokers.co.uk/blog/big-four-exit-invoice-factoring-sme): Lloyds closed its invoice factoring service in April 2026, completing the big four's full exit from the market. Bank-owned invoice finance is down 30% since 2024, and it's landing at the worst possible moment.
- [Section 21 Is Gone. Bridging Finance Is Booming.](https://www.thefinancebrokers.co.uk/blog/renters-rights-act-bridging-finance-landlord-exit): 70% more tenanted properties hit UK auctions since Section 21 ended. Investors are buying at 30–40% discounts using bridging finance. Here's the strategy.
- [The UK's Toughest Late Payment Law in 25 Years Won't Land Until 2027](https://www.thefinancebrokers.co.uk/blog/uk-late-payment-law-2027-sme-invoice-finance): 60-day cap, 8% statutory interest, SBC fining powers. The new late payment regime is real, but it arrives in 2027. Here's what 42% of UK SMEs are doing now.
- [There's £80bn to Fight Tariffs. Why Aren't UK SMEs Using It?](https://www.thefinancebrokers.co.uk/blog/tariffs-80bn-finance-uk-smes-not-using): Tariffs cost UK SMEs £17k each on average. The government unlocked £80bn in export finance, but only 27% of eligible firms use it. Here's how to access it.
- [Allica Grew SME Lending 23%. High Street Banks Reject 56% of Applications.](https://www.thefinancebrokers.co.uk/blog/allica-record-year-high-street-sme-rejection): Allica Bank's record 2025 results show where British SME money is actually flowing, and why the 'high street first' strategy is now the slowest route to capital.
- [It Costs £25,850 More to Employ 9 People This April](https://www.thefinancebrokers.co.uk/blog/april-2026-sme-cost-squeeze-borrowing-paradox): April 2026 hit UK SMEs with rising wages, NIC and business rates, yet only 1.5% are borrowing. Here's where £17.5bn in lending is actually going.
- [The MFS Collapse: What Every Developer Should Know](https://www.thefinancebrokers.co.uk/blog/mfs-collapse-what-property-developers-should-know): Market Financial Solutions collapsed with a £1.3bn shortfall. Here's what happened, why it matters to property developers, and how to vet your bridging lender.