# Know Your Business > Independent Comparisons of Business Banking & Finance ## Posts - [How to Register a Business in the UK: A Simple Guide for Home Startups](https://www.knowyourbusiness.co.uk/guides/registering-a-home-business/) - [UK Business Name Availability: How to Check and Register Your Company Name](https://www.knowyourbusiness.co.uk/guides/choosing-a-business-name/) - [Public Liability Insurance](https://www.knowyourbusiness.co.uk/insurance/compare-public-liability-insurance/): Public liability insurance for UK small businesses from £7 per month* Provided By *Prices shown are for basic coverage. You will get your actual price once you complete a quote. Eligibility Criteria and T&Cs apply. Get covered in three simple steps Getting business insurance through Tide is straightforward. Quotes in minutes, no lengthy forms, just the protection your business needs. 1 Tell Tide about your business Such as, what type of business you have, the size, how many employees. 2 Get your quote Get personalised insurance quotes from Tide, tailored to your business type and circumstances. 3 Buy your policy ... Read more - [Employers Liability Insurance](https://www.knowyourbusiness.co.uk/insurance/compare-employers-liability-insurance/): Employers’ liability insurance for UK businesses from £7 per month* Provided By *Prices shown are for basic coverage. You will get your actual price once you complete a quote. Eligibility Criteria and T&Cs apply. Get covered in three simple steps Getting business insurance through Tide is straightforward. Quotes in minutes, no lengthy forms, just the protection your business needs. 1 Tell Tide about your business Such as, what type of business you have, the size, how many employees. 2 Get your quote Get personalised insurance quotes from Tide, tailored to your business type and circumstances. 3 Buy your policy Happy ... Read more - [Professional Indemnity Insurance](https://www.knowyourbusiness.co.uk/insurance/compare-professional-indemnity-insurance/): Professional indemnity insurance for UK businesses from £8 per month* Provided By *Prices shown are for basic coverage. You will get your actual price once you complete a quote. Eligibility Criteria and T&Cs apply. Get covered in three simple steps Getting business insurance through Tide is straightforward. Quotes in minutes, no lengthy forms, just the protection your business needs. 1 Tell Tide about your business Such as, what type of business you have, the size, how many employees. 2 Get your quote Get personalised insurance quotes from Tide, tailored to your business type and circumstances. 3 Buy your policy Happy ... Read more - [Business Insurance](https://www.knowyourbusiness.co.uk/insurance/compare-best-business-insurance/): Business insurance built for UK small businesses from £7 per month* Provided By *Prices shown are for basic coverage. You will get your actual price once you complete a quote. Eligibility Criteria and T&Cs apply. Get covered in three simple steps Getting business insurance through Tide is straightforward. Quotes in minutes, no lengthy forms, just the protection your business needs. 1 Tell Tide about your business Such as, what type of business you have, the size, how many employees. 2 Get your quote Get personalised insurance quotes from Tide, tailored to your business type and circumstances. 3 Buy your policy ... Read more - [Compare Business Loans](https://www.knowyourbusiness.co.uk/lending/business-loans-comparison/): Understanding Business Loans For UK small to medium-sized enterprises (SMEs) seeking financial support, the concept of the “best business loan” is rarely a one-size-fits-all answer. Instead, it is highly dependent on a business’s unique circumstances, its specific needs, and a careful assessment of the various borrowing factors at play. Simply opting for a standard high street bank loan without exploring the broader market might mean overlooking a more suitable and cost effective financing solution. Your Business Profile and Needs Before approaching any lender, it’s beneficial for businesses to undertake a thorough internal assessment and health check. This self-evaluation will help ... Read more - [How Many Businesses Fail in the First Year in the UK? (2026 Update)](https://www.knowyourbusiness.co.uk/guides/how-many-businesses-fail-in-the-first-year-in-the-uk/): Starting a business in the UK continues to attract millions of people each year, driven by the promise of independence and growth. But while the barriers to starting a business have fallen, the reality of keeping one alive remains challenging. - [How to Create a Budget for Your Small Business (2026 Guide)](https://www.knowyourbusiness.co.uk/guides/how-to-create-a-budget-for-your-small-business/): A practical, step-by-step approach for UK startups and SMEs. Creating a budget for your small business is not a planning exercise, now in 2026, it is one of the most important tools for survival. - [Budgeting 101: How to Budget Money in the UK (2026 Update)](https://www.knowyourbusiness.co.uk/guides/how-to-budget-money-in-the-uk/): Budgeting from scratch can feel overwhelming, especially if you’ve never properly tracked your money before. But in 2026, it’s no longer just a “nice to have” skill. With rising living costs, fluctuating bills, and the ease of digital spending, having a clear plan for your money is now essential. - [Our Best Making Tax Digital Software Banks](https://www.knowyourbusiness.co.uk/banking/best-making-tax-digital-software-banks/): Making Tax Digital means from 6 April 2026, UK sole traders, VAT registered and landlords with a qualifying gross income over £50,000 must keep digital records and submit quarterly updates to HMRC under Making Tax Digital for Income Tax Self Assessment. That threshold drops to £30,000 in April 2027 and £20,000 in April 2028. Some UK business bank accounts offer Making Tax Digital Software, meaning you should expect your account transactions to be seamlessly integrated, but which ones integrate to third party accounting software, offer their own software, and which ones are actually free? - [Company Formations](https://www.knowyourbusiness.co.uk/banking/startup-banking-offers/): Form a UK Limited Company & Open a Business Bank Account Launch your business with Tide’s integrated start up bundle. Registered company setup from only £14.99, including a free, FSCS-protected business current account. Provided By Get Set up in in three simple steps Tide makes company formation simple and easy, with hundreds of thousands of businesses registering their company with them each year. 1 Choose Your Name. Check name availability and prepare your UK registered office address. 2 Submit to Tide. Complete one straightforward digital application covering your business details and banking setup. 3 Get Incorporated. Tide submits your documents ... Read more - [Branch Access Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/branch-access-business-bank-accounts/): branch Access Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be ... Read more - [Accountancy Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/accountancy-business-bank-accounts/): Accountancy Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [Cash Deposit Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/cash-deposit-business-bank-accounts/): Cash Deposit Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be ... Read more - [Fast Opening Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/fast-opening-business-bank-accounts/): Fast opening Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be ... Read more - [Merchant Cash Advance](https://www.knowyourbusiness.co.uk/lending/merchant-cash-advance-youlend/): Why YouLend? Whether its to invest in advertising, boost cash flow, renovating or staff hire, YouLend delivers innovative and flexible funding solutions and have been trusted by over 300,000* merchants. YouLend will usually provide you with a quote on the same day, and you can use that funding for any business purpose. You are not charged interest, the repayment works on a pre-agreed fixed percentage of sales aligning your repayments with your income. One you’ve been funded by YouLend, you can apply for top ups which, once approved, are often received the same day and can make repayments at any ... Read more - [Compare POS (ePOS) Systems](https://www.knowyourbusiness.co.uk/payments/epos-pos-systems/): Compare POS (ePOS) Systems Card Readers EPOS / POS Systems Payment Gateways We aim to keep all product information in our comparisons accurate and up to date, but details may have changed since publication. Always check before proceeding. An Introduction to POS or EPOS Systems Let’s start by clearing up the terminology. Point of Sale (POS) or Electronic Point of Sale (ePOS) mean the same thing. POS has generally superseded ePOS, but you’ll find them used interchangeably. POS has become much more than a modern cash till. For UK businesses, particularly small to medium-sized ones, it’s now a comprehensive system ... Read more - [Online Payment Gateways](https://www.knowyourbusiness.co.uk/payments/online-payment-gateways/): Compare Online Payment Gateways Card Readers EPOS / POS Systems Payment Gateways We aim to keep all product information in our comparisons accurate and up to date, but details may have changed since publication. Always check before proceeding. Understanding Online Payment Gateways For any business selling online in the UK, an online payment gateway is a fundamental part of the operation. It’s the technology that connects your website to the financial network, allowing you to accept and process card and other digital payments from customers. It securely works behind the scenes as a digital cashier for your website to handle ... Read more - [How to Start a Business in Kent](https://www.knowyourbusiness.co.uk/guides/how-to-start-a-business-in-kent/): You’ve got the chance to build something that genuinely works, right here in Kent. This isn’t just about launching a business; it’s about doing it smart, with the right support, the right timing, and a clear understanding of what Kent’s market actually wants. - [How to Start a Business in Devon](https://www.knowyourbusiness.co.uk/guides/how-to-start-a-business-in-devon/): You're standing at the edge of something exciting in one of England’s most business-ready counties. Devon isn’t just about coastlines and countryside, it’s a region packed with entrepreneurial drive, from Exeter’s fast-growing tech scene to the close-knit business networks in places like Barnstaple and Totnes. - [How to Start a Business in Lincolnshire](https://www.knowyourbusiness.co.uk/guides/how-to-start-a-business-in-lincolnshire/): You have the opportunity to tap into one of England’s most promising business landscapes. Lincolnshire welcomes entrepreneurs with open arms and with over a million residents, represents a substantial market waiting for your innovative ideas. - [Compare Payment Card Readers](https://www.knowyourbusiness.co.uk/payments/card-readers/): Compare payment Card Readers Card Readers EPOS / POS Systems Payment Gateways Alternative Payment Solutions We aim to keep all product information in our comparisons accurate and up to date, but details may have changed since publication. Always check before proceeding. What to Look for in a Card Reader For a small to medium sized business in the UK, choosing the right card reader is a choice that affects daily operations, customer experience and your bottom line. It’s no longer just about accepting plastic; it’s about finding a system that fits seamlessly with how you run your business. With card ... Read more - [Business Loans in Wales](https://www.knowyourbusiness.co.uk/lending/business-loans-in-wales/): Securing Business Finance in Wales The world of business loans can be a challenge, but in Wales there’s a strong support system for businesses of all sizes. From small, local enterprises to larger corporations, understanding the available funding options is the first step toward securing the capital you need to grow and thrive. A variety of finance products are on offer blending traditional bank loans with specific schemes designed to boost the Welsh economy. Key Lending and Finance Options There are a number of different ways to consider finance in Wales. Some will be very familiar ways that you might ... Read more - [Business Loans in Scotland](https://www.knowyourbusiness.co.uk/lending/business-loans-in-scotland/): Understanding Business Loans in Scotland Securing the right finance is a crucial step for any business, whether it’s a small start-up or a larger, established company. In Scotland, a wide range of business loans and funding options are available, but it’s important to understand the different types to find the best fit for your specific needs. The finance landscape in Scotland is supported by a mix of traditional lenders and government-backed initiatives, all designed to help businesses grow. Common Types of Business Finance For many small to medium-sized businesses (SMEs), a term loan is the most familiar option. This involves ... Read more - [Business Loans in Northern Ireland](https://www.knowyourbusiness.co.uk/lending/business-loans-in-northern-ireland/): Choosing a Business Loan in Northern Ireland Securing the right finance is a key step for any business, big or small. In Northern Ireland, a range of business loan and financing options are available, but knowing which one is the best fit can be tricky. Small to medium-sized businesses (SMEs) often have different needs than larger corporations, so it’s important to understand the landscape to make an informed decision. Types of Business Loans and Finance The term “business loan” is a broad one, and it’s helpful to look at the different forms of finance on offer. For SMEs, traditional term ... Read more - [How to Start a Business in Suffolk](https://www.knowyourbusiness.co.uk/guides/how-to-start-a-business-in-suffolk/): Suffolk presents an interesting and encouraging story for aspiring entrepreneurs? The county is a fantastic place for start-ups, offering a robust support network that fosters success for a diverse community of new business owners, from school-leavers to the over-50s sector. - [Tax Loans](https://www.knowyourbusiness.co.uk/lending/tax-loans/): What is a Business Tax Loan? A business tax loan is a loan, usually a short-term financial product, designed specifically to help a business pay its tax bills. Instead of using a lump sum of cash to cover a large tax liability, such as Corporation Tax or VAT, a business can take out a loan to pay the bill and then spread the cost of that loan into monthly repayments over a set period. This type of loan is a strategic tool for cash flow management. It allows a business to meet its tax obligations on time without putting the ... Read more - [Refinancing Business Debt](https://www.knowyourbusiness.co.uk/lending/refinancing-business-debt/): What is Refinancing Business Debt? Refinancing business debt involves replacing an existing loan or loans with a new one, usually with the goal of securing better terms. This is a common financial strategy used by businesses of all sizes to manage their debt more effectively. Instead of simply making payments on an old loan a business takes out a new loan and uses the funds to pay off the old debt. The business then makes repayments on the new loan under the new terms. The main reasons for refinancing are to reduce interest rates, lower monthly payments or consolidate multiple ... Read more - [Short Term Business Loans](https://www.knowyourbusiness.co.uk/lending/short-term-business-loans/): What is a Short Term Business Loan? A short term business loan is a type of finance designed to provide businesses with a quick injection of cash that is repaid over a shorter period than a standard loan, usually up to 24 months, although the duration considered short term can vary between lenders. This form of borrowing is particularly useful for businesses that need to cover a temporary cash flow gap, handle unexpected expenses or take advantage of an opportunity that requires fast access to capital. Unlike long-term loans which are often used for significant capital investments like buying property ... Read more - [Property Development Finance](https://www.knowyourbusiness.co.uk/lending/property-development-finance/): What is Property Development Finance? Property development finance is a specialised form of short to medium-term loan used to fund a property project, such as building new commercial or residential properties from scratch, converting an existing building into a different use, or carrying out a significant refurbishment. This type of finance is different from a traditional commercial mortgage, as it is designed for a project that is not yet complete and where a large portion of the value is tied up in the future development. The finance can be used to cover all aspects of a project, from the initial ... Read more - [Management Buy Out Finance](https://www.knowyourbusiness.co.uk/lending/management-buy-out-finance/): What is a Management Buy-out? A Management Buy-out (MBO) is a transaction where a company’s existing management team purchases the business they work for from the current owners. This is often a way for the current owners, such as the founders or private equity investors to sell their stake in the company and exit the business. The MBO team, having a deep understanding of the company’s operations, customers and market, is often seen as a strong candidate to take over ownership. The main characteristic of an MBO is that the management team uses a combination of their own funds and ... Read more - [Management Buy In Finance](https://www.knowyourbusiness.co.uk/lending/management-buy-in-finance/): What is a Management Buy-in? A Management Buy-in (MBI) is a transaction where an external management team acquires a controlling interest in a company, with the intention of running and growing the business. Unlike a Management Buy-out (MBO), where the existing management team buys the company, an MBI involves a team from outside the company coming in to take over the reins. This is often a way to give a company a fresh perspective, growth capital and new leadership. The MBI team, which is usually a group of experienced managers, identifies a company they believe has untapped potential. They then ... Read more - [Leveraged Buy In Buy Out Finance](https://www.knowyourbusiness.co.uk/lending/leveraged-buy-in-buy-out-finance/): What is a Leveraged Buyout (LBO)? A leveraged buyout (LBO) is a way for a business to be acquired by a management team, often with the help of a private equity firm or another financial backer. The most significant feature of an LBO is that a substantial amount of the purchase price is funded with debt. This debt is often secured against the assets and future cash flow of the company being bought. The purchasing party, usually the existing management team, puts in a relatively small amount of their own money, or “equity,” to make the acquisition. This method is ... Read more - [Business Credit Lines](https://www.knowyourbusiness.co.uk/lending/business-credit-lines/): What is a Business Credit Line? A business credit line is a flexible way for businesses to borrow money, similar to an overdraft or a business credit card. Instead of receiving a single lump sum, a business is approved for a credit limit. They can then draw from this available credit as and when they need it, up to the agreed limit. This makes it a tool that’s good for managing day to day cash flow, covering unexpected expenses or seizing new opportunities that require quick access to funds. The key difference between a credit line and a traditional business ... Read more - [Green Finance](https://www.knowyourbusiness.co.uk/lending/green-finance/): What is Green Finance? Green finance refers to any financial product or service specifically designed to support environmentally sustainable projects and initiatives. It is a growing area of the financial sector that aims to encourage businesses to invest in activities that help reduce their environmental impact, such as cutting carbon emissions, improving energy efficiency or adopting cleaner technologies. For small and medium-sized businesses, green finance provides a pathway to contribute to the UK’s net-zero goals while also making their own operations more resilient and efficient. It is a way to access capital for projects that might not be funded through ... Read more - [Equipment Finance](https://www.knowyourbusiness.co.uk/lending/equipment-leasing/): What is Equipment Leasing? Equipment leasing is a form of asset finance that allows a business to use a piece of equipment, such as a vehicle, machinery or IT hardware, in exchange for regular payments over a set period. Instead of buying the asset outright the business is essentially renting it from the finance provider. This method is often favoured by businesses that need access to modern or expensive equipment but want to avoid the significant upfront cost of a purchase. The core principle of leasing is that ownership of the equipment remains with the finance company, while the business ... Read more - [Crowdfunding P2P](https://www.knowyourbusiness.co.uk/lending/crowdfunding-p2p/): What are Crowdfunding and Peer-to-Peer Loans? Crowdfunding and Peer-to-Peer (P2P) loans are forms of alternative finance that provide businesses with a way to raise capital without going through traditional banks and lenders. Both methods use online platforms to connect businesses seeking finance with a large number of individual investors or lenders. This approach shifts the traditional model of a single lender providing a large sum of money to one where many people contribute smaller amounts to reach a funding goal. Crowdfunding is a broad term that encompasses various types of funding. For businesses, the most common forms are equity crowdfunding ... Read more - [Compare Commercial Mortgages](https://www.knowyourbusiness.co.uk/lending/commercial-mortgages/): What is a Commercial Mortgage? A commercial mortgage is a long term loan used to buy or refinance a business property such as an office, shop, warehouse or factory. Unlike a residential mortgage used for a home, a commercial mortgage is for a property that will be used for business purposes. This type of finance is used when businesses that want to own their premises rather than renting, it can also be a way to build a valuable asset for the business over time. The mortgage is secured against the property itself. This means that if the business is unable ... Read more - [Compare Invoice Finance for Small Businesses](https://www.knowyourbusiness.co.uk/lending/invoice-finance/): What is Invoice Finance? Invoice finance is a way for businesses to get quick access to cash that is tied up in their unpaid customer invoices. Instead of waiting weeks or months for clients to pay, a business can leverage the value of those invoices to receive a cash advance from a finance provider. This is a common solution for businesses that sell goods or services on credit to other businesses and have to manage the gap between paying their own bills and receiving payment from their customers. The basis of how invoice finance works involves a business raising an ... Read more - [Invoice Factoring quotes](https://www.knowyourbusiness.co.uk/lending/invoice-factoring/): What is Invoice Factoring? Invoice factoring is a type of invoice finance that allows businesses to access cash tied up in their unpaid customer invoices. It is a way to address the common challenge of waiting for customers to pay which can be a strain on cash flow. Instead of waiting for payment a business ‘sells’ its invoices to a third-party finance provider in exchange for a cash advance. The finance factor firm then takes over the responsibility of collecting the payment from the customer.  The process typically works as follows: a business provides a service or goods to a ... Read more - [Invoice Discounting quotes](https://www.knowyourbusiness.co.uk/lending/invoice-discounting/): What is Invoice Discounting? Invoice discounting is a type of invoice finance that helps businesses improve cash flow by unlocking the value of their outstanding customer invoices. It is a funding solution where a business gets a  cash advance against its unpaid invoices rather than waiting for its customers to pay on their credit terms, which can be weeks or even months. The core of invoice discounting is confidentiality. With this type of finance, the business retains full control of its sales ledger and is responsible for collecting payments from customers. The customers are not made aware that a third-party ... Read more - [Working Capital Finance](https://www.knowyourbusiness.co.uk/lending/working-capital-finance/): For any business, irrespective of size, effective cash flow management is fundamental to sustained operation and growth. Working capital finance refers to a range of financial products specifically designed to ensure a business has sufficient liquidity to cover its day-to-day operational expenses.  It’s about ensuring there’s enough cash available to keep the business running smoothly, bridging any gaps between money going out (paying suppliers, wages, rent) and money coming in (from sales and invoices). Understanding Working Capital and Its Importance Working capital is essentially the difference between a business’s current assets (like cash, accounts receivable and inventory) and its current ... Read more - [Unsecured Business Loans](https://www.knowyourbusiness.co.uk/lending/unsecured-business-loans/): For UK businesses seeking financial injections without the need to pledge tangible assets, unsecured business loans offer a solution. This form of borrowing is particularly attractive to small to medium-sized enterprises (SMEs) and larger firms that may not hold collateral assets or want to risk them. Understanding their structure, benefits, and inherent considerations is key to making an informed funding decision. How Unsecured Business Loans Work An unsecured business loan is a type of finance where the lender does not require the borrower to provide specific assets, such as property, equipment or inventory as security. Instead, the lender’s decision to ... Read more - [Startup Business Loans](https://www.knowyourbusiness.co.uk/lending/startup-business-loans/): Embarking on a new business venture in the UK often requires securing initial capital to transform an idea into a tangible reality. Startup business loans encompass various financial products and government schemes designed specifically to help new enterprises navigate their initial stages, covering everything from development costs to early operational expenses. The Landscape of Startup Business Loans Unlike established businesses with a proven financial track record, startups typically lack extensive trading history or substantial assets which can make securing finance challenging. Recognising this gap, the UK government, alongside various private lenders and organisations, offers tailored funding solutions. Key Types of ... Read more - [Sole Trader Business Loans](https://www.knowyourbusiness.co.uk/lending/sole-trader-business-loans/): How to Block Gambling Sites (In 2026)  Access loans for the self-employed or unlock a wider range of business funding by registering as a limited company Sole Trader Lending COMPARE FUNDING FOR SOLE TRADERS  Time To Become A Limited Company? SEE MORE ABOUT REGISTERING Access more funding options as limited company Sole Trader Lenders Sole traders can access business funding with speed and simplicity against their personal credit borrowing power.  See our FAQ’s to learn more. Important: Information provided in our comparison is a guide. Always check terms and eligibility directly with providers before proceeding with any loan product. Sole ... Read more - [Compare Small Business Loans](https://www.knowyourbusiness.co.uk/lending/small-business-loans/): For many small businesses across the UK, access to external finance is essential for starting up, managing cash flow or achieving growth ambitions. The term “small business loans” encompasses a diverse array of financial products, each designed with different structures, suitability and purposes to cater to the varied needs and credit profiles of enterprises from sole traders to those on the cusp of becoming larger corporations. Understanding Small Business Loans A small business loan is essentially a sum of money provided to a commercial organisation which the borrower agrees to repay, along with interest, over a predetermined period. Unlike personal ... Read more - [Secured Business Loans](https://www.knowyourbusiness.co.uk/lending/secured-business-loans/): For UK businesses seeking finance, the choice between various loan products can be complex. Secured business loans represent a significant segment of the lending market, offering a distinct advantage for both borrowers and lenders by leveraging assets as collateral. These loans can be a viable option for small to medium sized enterprises (SMEs) as well as larger corporations providing access to potentially larger sums and more favourable terms than unsecured alternatives. Understanding Secured Business Loans A secured business loan is a type of borrowing where a business provides an asset (or assets) as collateral against the loan amount. This asset ... Read more - [Recovery Loans Scheme](https://www.knowyourbusiness.co.uk/lending/recovery-loans-scheme/): The Recovery Loan Scheme (RLS) was a UK government initiative designed to aid businesses in their recovery from the Covid-19 pandemic by providing financial support for investment and growth and was initially launched on April 1, 2021. It initially offered businesses the opportunity to borrow up to £10 million supported by an 80% government guarantee and was scheduled to conclude in June 2022.  It was subsequently reintroduced for an extended period, ultimately closing to new applications on July 1, 2024. The terms of the scheme evolved and by 2022, the maximum loan amount was adjusted to a cap of £2 ... Read more - [Merchant Cash Advance](https://www.knowyourbusiness.co.uk/lending/merchant-cash-advance/): For businesses that frequently accept card payments, a Merchant Cash Advance (MCA) offers a distinct approach to accessing funding, differing significantly from traditional business loans. This product, sometimes referred to as revenue based lending, leverages a business’s future card sales to provide immediate capital, proving to be a flexible option for many UK small to medium-sized enterprises (SMEs) and even larger businesses with high card transaction volumes. How a Merchant Cash Advance Works A Merchant Cash Advance is not a loan in the conventional sense; instead, it’s structured as a sale of future debit and credit card receivables. In essence, ... Read more - [Growth Guarantee Scheme (GGS)](https://www.knowyourbusiness.co.uk/lending/growth-guarantee-scheme/): The UK government has a history of implementing schemes designed to support businesses in accessing finance particularly during challenging economic periods or to stimulate growth. From the more recent pandemic related initiatives like the Coronavirus Business Interruption Loan Scheme (CBILS) and the Bounce Back Loan Scheme (BBLS) to the subsequent Recovery Loan Scheme (RLS), these programmes evolve to meet prevailing economic needs. The Growth Guarantee Scheme (GGS) is the latest iteration, building on previous experiences to continue facilitating lending to UK small and medium-sized enterprises (SMEs). Understanding the Growth Guarantee Scheme The Growth Guarantee Scheme (GGS) officially launched on 1 ... Read more - [Construction Loans](https://www.knowyourbusiness.co.uk/lending/construction-loans/): For businesses engaged in building new structures or undertaking significant refurbishments, securing the right financial backing is a specific challenge. Construction loans, often referred to as development finance, are tailored funding solutions designed to meet the unique demands of these projects. Unlike standard business loans they are structured to disburse funds in stages as a project progresses, accounting for the inherent complexities and risks of construction. Understanding Construction Loans Construction loans are a form of short to medium-term, secured business lending specifically intended to finance the costs associated with property development projects. This can range from purchasing undeveloped land and ... Read more - [Business Vehicle finance](https://www.knowyourbusiness.co.uk/lending/business-vehicle-leasing/): For many businesses in the UK acquiring the necessary vehicles to operate whether it’s a single company car, a fleet of delivery vans or specialist taxis can represent a significant capital outlay. Business vehicle leasing offers a flexible and often tax-efficient alternative allowing businesses to use vehicles without the full cost outlay. This type of finance is structured to work for a wide range of businesses from sole traders to large corporations and can be tailored to various needs and credit profiles. How Business Vehicle Leasing is Structured Business vehicle leasing, often referred to as Business Contract Hire (BCH), is ... Read more - [Business Funding](https://www.knowyourbusiness.co.uk/lending/business-funding/): Business funding is a broad term encompassing any financial resource acquired by a business to support its operations, growth or strategic objectives. From sole traders managing their daily cash flow to large corporations embarking on ambitious expansion plans, access to appropriate funding is often a fundamental aspect of how businesses function and develop in the UK. The market for business funding is diverse, offering multiple setups designed to meet the unique needs and credit profiles of all types of enterprises. Understanding the Role of Business Funding For many businesses, securing the right kind of funding at the right time can ... Read more - [Compare Bridging Loans](https://www.knowyourbusiness.co.uk/lending/bridging-loans/): For businesses in the UK, navigating financial timelines can sometimes present a challenge. Opportunities or necessities may arise that require immediate capital, but longer-term funding or an expected inflow of cash might not be available right away. This is where bridging loans can provide a solution, offering a temporary financial bridge to cover short-term gaps. The Concept of Bridging Loans A bridging loan is a short-term, typically secured, financial product designed to provide rapid access to funds. Its primary purpose is to “bridge” a funding gap between a current financial need and the availability of more permanent financing. These loans ... Read more - [Compare Business Loans](https://www.knowyourbusiness.co.uk/lending/compare-best-business-loans/): For UK small to medium-sized enterprises (SMEs) seeking financial support, the concept of the “best business loan” is rarely a one-size-fits-all answer. Instead, it is highly dependent on a business’s unique circumstances, its specific needs, and a careful assessment of the various borrowing factors at play. Simply opting for a standard high street bank loan without exploring the broader market might mean overlooking a more suitable and cost effective financing solution. Understanding Your Business Profile and Needs Before approaching any lender, it’s beneficial for businesses to undertake a thorough internal assessment and health check. This self-evaluation will help clarify financial ... Read more - [Compare bad credit business finance](https://www.knowyourbusiness.co.uk/lending/bad-credit-business-loans/): Securing financing is often part of the plan for growth, managing cash flow or navigating unexpected challenges. While traditional high street bank lenders tend to favour businesses with robust credit histories, the reality for many small to medium-sized enterprises (SMEs), is that their credit profile may not be perfect. This isn’t just a problem for SME’s but the profile of these size businesses often make them more likely to be affected. This is where understanding UK business credit and business bad credit loans becomes essential. Understanding Business Credit and ‘Bad Credit’ A business credit score is a numerical representation of ... Read more - [Compare Asset Finance](https://www.knowyourbusiness.co.uk/lending/asset-finance/): For any UK business, acquiring essential equipment, vehicles, or technology can be a significant upfront cost. This is where business asset finance offers a powerful solution, allowing companies to gain access to the assets they need without tying up large amounts of working capital. It’s a broad term encompassing various funding options, including hire-purchase, leasing (including sale and leaseback), and invoice finance (a form of asset-based lending), each designed to suit different business needs and financial situations. Unlike traditional bank loans, which might require extensive financial history or perfect credit scores, many forms of asset finance are secured against the ... Read more - [Alternative Finance](https://www.knowyourbusiness.co.uk/lending/alternative-finance/): Business finance can be challenging for UK small to medium-sized enterprises (SMEs), particularly when traditional high street banks and lenders impose strict underwriting criteria. These conventional approaches often favour businesses with extensive trading histories, robust financial statements, and flawless credit scores, leaving many innovative startups and established SMEs with less-than-perfect credit or unique operating models feeling overlooked. This is where alternative business finance steps in, offering a diverse landscape of funding solutions designed to be more flexible and accessible. Understanding the Landscape of Alternative Finance Alternative finance refers to funding sources outside the traditional banking system. These lenders often use ... Read more - [Acquisition Finance](https://www.knowyourbusiness.co.uk/lending/acquisition-finance/): Acquisition finance in the UK is about how businesses get the money to buy other companies. It’s a strategic move to grow, gain new capabilities, or expand into new markets. While larger corporations often have access to a wide array of sophisticated financing tools, SMEs also have various options tailored to their scale and needs. Understanding these options is key to making a successful acquisition and ensuring the continued health of your business. Why Acquire Another Business? For SMEs, acquiring another business can offer significant advantages that might otherwise take years to achieve organically. These include: Common Financing Routes for ... Read more - [How to Start a Business in Norfolk](https://www.knowyourbusiness.co.uk/guides/how-to-start-a-business-in-norfolk/): With a population of over 900,000 and strong support across sectors like agri-tech, food, and manufacturing, Norfolk offers serious potential. It’s not just about location, it’s about opportunity. - [Easy Access Business Savings Accounts](https://www.knowyourbusiness.co.uk/savings/easy-access-business-savings-accounts/): Easy Access Business Savings Accounts All Business Savings Accounts Easy Access Accounts Notice Accounts Fixed Rate Accounts A Comparison of Easy Access Business Savings Accounts in the UK For any business, maintaining a degree of financial flexibility is important. Easy access business savings accounts are a foundational tool for managing surplus cash, offering a secure place to segregate your funds while ensuring you can get to them quickly when needed. These accounts provide a vital first step away from a standard current account, allowing your business’s money to start earning interest without being tied up, making them ideal for building ... Read more - [Notice Business Savings Accounts](https://www.knowyourbusiness.co.uk/savings/notice-business-savings-accounts/): Notice Business Savings Accounts All Business Savings Accounts Easy Access Accounts Notice Accounts Fixed Rate Accounts A Comparison of Notice Business Savings Accounts in the UK For businesses seeking a higher return on their savings without committing to locking funds away for a fixed term, a notice account offers a compelling middle ground. These accounts are designed for companies that can plan their cash flow in advance, rewarding them with more competitive interest rates than they would typically earn from an easy-access account. By understanding how they function, you can determine if a notice account is the right strategic fit ... Read more - [Fixed Rate Business Savings Accounts](https://www.knowyourbusiness.co.uk/savings/fixed-rate-business-savings-accounts/): Fixed Rate Business Savings Accounts All Business Savings Accounts Easy Access Accounts Notice Accounts Fixed Rate Accounts A Comparison of Fixed-Rate Business Savings Accounts in the UK For businesses with surplus capital that is not required for immediate operational needs, a fixed-rate savings or bond account presents a prime opportunity to generate a predictable and often higher return. By locking your funds away for a predetermined period, you can secure an interest rate, bringing certainty to your financial planning and making your dormant cash work harder. Understanding Fixed-Rate Business Savings Accounts A fixed-rate business savings account is an agreement between ... Read more - [Corporate Business Savings Accounts](https://www.knowyourbusiness.co.uk/savings/corporate-business-savings-accounts/): Corporate Business Savings Accounts A UK Corporate Savings Account Comparison For corporate entities, managing surplus cash effectively is a fundamental component of a robust financial strategy. Moving beyond a standard business current account, a dedicated corporate savings account can ensure substantial cash reserves are not only secure but are also generating a worthwhile return. These specialised accounts are designed to meet the demands of larger businesses, offering features tailored to significant deposit volumes and specific liquidity requirements. Making an informed comparison is key to optimising your company’s capital. Understanding Corporate Savings Account Structures The types of savings accounts available to ... Read more - [Compare Business Savings Accounts](https://www.knowyourbusiness.co.uk/savings/compare-best-business-savings-accounts/): Compare Business Savings Accounts All Business Savings Accounts Easy Access Accounts Notice Accounts Fixed Rate Accounts A Comparison of UK Business Savings Accounts Putting your business’s hard-earned cash to work is an important step in ensuring its long-term financial health. A dedicated business savings account allows you to separate your surplus funds from your day-to-day operational account, earning interest and creating a valuable buffer for the future. With a variety of account types available, understanding the landscape is key to selecting the one that best aligns with your company’s goals. Exploring the Different Types of Business Savings Accounts The UK market ... Read more - [Business bank account comparison - %month% %year%](https://www.knowyourbusiness.co.uk/banking/compare-best-business-bank-accounts/): The best business bank account depends almost entirely on which one caters for your business structure, turnover and operational patterns. Digital first providers like Starling, Monzo, Tide and Revolut tend to be more focused and innovative in particular areas. With fast account opening and a broad range of built in ‘on the go’ features, they become an easy choice for sole traders, freelancers and online start ups. Conversely, the ‘traditional' high street banks like NatWest, Barclays and HSBC still offer the widest range of services and features under one roof. With access to borrowing, branches and relationships managers, they’re able to keep up with the needs of expanding limited companies. - [Online Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/online-business-bank-accounts/): Online Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [Compare Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/compare-business-bank-accounts/): Compare Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [Compare Self-Employed Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/self-employed-business-bank-accounts/): Self-Employed Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [Compare Corporate Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/corporate-business-bank-accounts/): Corporate Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [Compare Bad Credit Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/bad-credit-business-bank-accounts/): Bad Credit Business Bank Accounts How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared with our ... Read more - [Small business bank accounts in the UK - %month% %year%](https://www.knowyourbusiness.co.uk/banking/small-business-bank-accounts/): Limited small companies must have a separate small business bank account by law. Your company is a separate legal entity from you as a director. Mixing personal and business money breaches Companies House rules and creates serious compliance and tax problems. Sole traders have a choice, but limited company directors don’t. Monthly fees usually range from free to a monthly fee, depending on features and transaction volumes. - [Compare Switcher Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/switcher-business-bank-accounts/): Switcher Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [Compare No Credit Check Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/no-credit-check-business-bank-accounts/): No Credit Check Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can ... Read more - [Free Business Bank Accounts in the UK - %month% %year%](https://www.knowyourbusiness.co.uk/banking/free-business-bank-accounts/): A free business bank account is a UK account without a monthly subscription fee. However, while standard app management is usually free, fees can still apply to day-to-day banking activities. Some accounts stay free permanently. Others are only free for an introductory period, typically ranging from 12 to 24 months. Most still charge or have free ‘limits’ for things like cash deposits or international payments, so ‘free’ won't mean zero fees across the board. - [Joint Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/joint-business-bank-accounts/): A joint business bank account is a UK business account held in the names of two or more people. It can suit partnerships and family businesses. Every named holder is legally tied to the account's debts and decisions, so liability is shared, not split. Limited companies with co-directors must open an account in the business name, but with both directors as signatories. - [Compare Business Bank Accounts With Overdrafts](https://www.knowyourbusiness.co.uk/banking/business-bank-accounts-with-overdraft/): A business bank account with an overdraft is a business current account that includes a pre-arranged credit buffer, designed to cover short-term cashflow gaps rather than ongoing borrowing. Interest is charged only on the amount used on any given day, with most providers also charging an arrangement or annual renewal fee on the limit. Under rules implemented on 28 April 2026, most UK providers must give at least 90 days written notice and a written explanation before closing an account or withdrawing a facility, except where they need to act under financial crime obligations. - [Compare Multi-Currency Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/multi-currency-business-bank-accounts/): Multi-Currency Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [Compare International Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/international-business-bank-accounts/): International Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [Compare Freelancer Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/freelancer-business-bank-accounts/): Freelancer Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [Compare Multi-Director Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/multi-director-business-bank-accounts/): Multi-Director Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [Sole Trader Bank Accounts - %month% %year%](https://www.knowyourbusiness.co.uk/banking/sole-trader-business-bank-accounts/): Using a personal account for business purposes will likely break the terms of use with your provider. You’re not legally required to have a sole trader business bank account. But HMRC expects you to keep business and personal money separate for tax purposes, and mixing them creates real problems at Self Assessment time. Most sole traders open a business account for clarity, easier bookkeeping and professional credibility. They’re quick to set up, and many charge no monthly fee. - [Compare Startup Business Bank Accounts](https://www.knowyourbusiness.co.uk/banking/startup-business-bank-accounts/): Startup Business Bank Accounts knowyourbusiness.co.uk rated… Trustpilot How to Compare Business Bank Accounts 1 Understand Your Requirements How you do business will affect the type of account you need. How many transactions will you have each month? Do you need to pay in cash? Do you need a local branch? 2 Check Eligibility Most providers have a range of business accounts to suit different types of businesses. Check the eligibility of each account to make sure if suited to your business. 3 Compare The Latest Deals There are numerous offers and deals to attract new customers which can be compared ... Read more - [A New Business Owner's Guide to Government Loans and Grants in the UK](https://www.knowyourbusiness.co.uk/lending/government-small-business-loan/): Looking for funding to launch or grow your business? We look at five UK government-backed loan and grant options designed to support new and small business owners on their entrepreneurial journey. - [Is There Actually a Business Energy Cap? What You Need to Know About Price Protection](https://www.knowyourbusiness.co.uk/energy/business-energy-cap/): Unlike households, UK businesses aren’t protected by an energy price cap, leaving them vulnerable to rising costs. Learn why commercial customers are excluded and what steps your business can take to manage energy expenses effectively. - [How to Accept Online Payments: Guidance For UK Businesses](https://www.knowyourbusiness.co.uk/payments/how-to-accept-online-payments/): Learn how to accept online payments with ease. This guide covers secure, user-friendly options to boost sales and keep your checkout process smooth and compliant. - [Mobile Payment Solutions: Keeping Up With Payment Tech](https://www.knowyourbusiness.co.uk/payments/mobile-payment-solutions/): Explore mobile payment solutions that help UK businesses stay competitive, cut costs, speed up sales, and keep customers coming back. - [The Busy Owner's Guide to Switch Business Energy Supplier Today](https://www.knowyourbusiness.co.uk/energy/switch-business-energy-supplier/): Many businesses are currently stuck paying their suppliers' most expensive default tariffs, handing over up to 50% more on their energy bills without even realising it. - [What is a Payment Gateway? Understanding Payment Processing](https://www.knowyourbusiness.co.uk/payments/what-is-a-payment-gateway/): Not sure how online payments really work? This guide explains what payment gateways are, why they matter, and how to pick the right one for your business. - [The Truth About Business Solar Energy: Is Your Company Losing Money Without It?](https://www.knowyourbusiness.co.uk/energy/business-solar-energy/): Paying too much for electricity? Solar panels could cut your energy bills significantly. This guide shows how UK businesses could be in a position to make a saving each year. - [Understanding UK Business Insurance Requirements: What New Startups Need to Know](https://www.knowyourbusiness.co.uk/guides/business-insurance-requirements/): Sorting out insurance might not be the most exciting part of running a business, but it matters. Knowing your business insurance requirements means you’re not just covered, you’re prepared for whatever comes your way. - [Choosing the Right UK Business Type: Sole Trader vs. Limited Company vs. Partnership](https://www.knowyourbusiness.co.uk/guides/uk-business-types/): Learn about the different UK business types and pick the best fit for your venture. From sole traders and partnerships to limited companies, get clear on taxes, liability, and which structure suits your goals. - [Business Account Reconciliation Made Simple: A Practical Guide for UK Business Owners](https://www.knowyourbusiness.co.uk/banking/business-account-reconciliation/): Many business owners across the UK still find account reconciliation a headache. They put it off, rush through it, or worse, ignore it completely. This leaves their financial records vulnerable to all sorts of problems with errors creeping in, potential fraud going unnoticed, and compliance risks building up silently. - [Small Business Accounting Made Easy: Your Step-by-Step UK Guide](https://www.knowyourbusiness.co.uk/banking/accounting-for-small-business/): The way corporate tax rate was charged changed in April 2023, when the single rate was replaced with rates based on profits, with the notable impact to businesses with profits over £250,000 who saw rates go from 19% to 25%. Changes like this can have a big impact on your business, but good accounting will help you be ready.  - [How to Switch Business Bank Accounts: A Stress Free UK Guide](https://www.knowyourbusiness.co.uk/banking/switch-business-bank-account/): Your bank might be silently affecting your profits with its fees. Or perhaps you don’t feel it meets your needs as a business? Maybe one of the many new business bank account providers has caught your eye….. - [Asset Finance Explained: Your Essential Guide](https://www.knowyourbusiness.co.uk/lending/what-is-asset-finance/): Asset finance is a popular way to fund equipment, vehicles and tech, but it’s not always straightforward. We explain how it works and how to get it right. - [How to Get a Business Loan with Bad Credit: Your Complete UK Guide](https://www.knowyourbusiness.co.uk/lending/how-to-get-a-business-loan-with-bad-credit-your-complete-uk-guide/): It’s believed that more than half of small businesses across the UK have never checked their credit score, but this rating can determine whether you'll secure vital business funding or walk away empty-handed. - [Smart Tax Savings for Your Home Office: A UK Guide](https://www.knowyourbusiness.co.uk/guides/working-from-home-tax-relief/): Plenty of people work from home without realising they could be saving money. If you’re covering household costs while running your business, it’s worth looking into what you can claim, especially when it comes to working from home tax relief. - [How to Manage Multiple Business Bank Accounts: A Simple Guide for UK Companies](https://www.knowyourbusiness.co.uk/banking/managing-multiple-business-accounts/): Did you know that poor cash flow management is a key factor that leads to a majority of businesses failing? - [UK Business Registration Process: A Step-by-Step Guide](https://www.knowyourbusiness.co.uk/guides/business-registration-process/): Understand the UK business registration process clearly, from selecting the right structure to registering with Companies House, to build a solid foundation for your venture. - [What is Invoice Finance? Your Guide to Better Business Cash Flow](https://www.knowyourbusiness.co.uk/lending/what-is-invoice-finance/): Struggling with slow-paying customers? Invoice finance helps turn unpaid invoices into working capital. Learn how it works and if it’s right for you. ## Pages - [TERMS OF BUSINESS](https://www.knowyourbusiness.co.uk/terms/): LAST UPDATED: June 2026 Welcome to knowyourbusiness.co.uk (the “Website”). Please read these Terms of Business carefully before using our Website. By accessing, browsing or using this Website, or by submitting your information through our online forms, you agree to be legally bound by these Terms of Business, as well as our Privacy Policy and Cookie Policy. If you do not agree to these terms, you must not use this Website or submit any information through it. 1. ABOUT US AND REGULATORY STATUS 1.1. knowyourbusiness.co.uk is a trading name of Engage Media Ltd (“we”, “us”, “our”), a company registered in England ... 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Featured Guides - [Business Payments Hub](https://www.knowyourbusiness.co.uk/payments/): Business Payments Card payment machines serve as the connection between your business and the world of electronic payments. Termed Point Of Sale (POS) terminals or card readers, these devices work with payment cards to process electronic funds transfers securely. Compare Card Readers Understanding Card Payment Machines What’s Out There? The Main Types You’ll Come Across The Payment Journey – What Actually Happens? Most modern machines now handle multiple payment methods—chip and PIN, contactless mobile wallets like Apple Pay and Google Pay and have become sophisticated digital devices with end to end data encryption and robust security features. Choosing the Right ... Read more - [Business Finance Hub](https://www.knowyourbusiness.co.uk/lending/): Business LOANS Need funding to grow, hire, or just keep things moving? We help you break down your options from traditional loans to short term finance with straightforward transparent information and product insights to help you borrow wisely and confidently. Compare Business Loans What is a Business Loan? A business loan is simply money that’s borrowed specifically for your business rather than for you personally. Business loans come in different structures, but they generally fall into two main categories: UK business loan key features: What can I use a business loan for? Business loans are remarkably flexible. You can put ... Read more - [Business Energy Hub](https://www.knowyourbusiness.co.uk/energy/): Business Energy From switching suppliers to understanding tariffs, we give you the tools to take control of your business energy. Clear information, no jargon, just practical tips to help you save money and stay efficient. Understanding Business Energy Basics Getting your head around business energy consumption is crucial if you want to keep costs in check. Business energy covers all the electricity and gas you’re using for your business, and how much you’re burning through varies massively depending on what kind of business you run and how big you are. What’s The Real Difference Between Home and Business Energy? The ... Read more - [Business Banking Hub](https://www.knowyourbusiness.co.uk/banking/): Business Banking Get clear, no-nonsense insights into business bank accounts, features, fees and more. From choosing the right account for your business to making your money work harder, we cover the essentials and bring you tips, recommendations and transparency to help you make informed decisions. Compare Business Bank Accounts Compare Business Savings Accounts Types of Business Bank Account Available How To Choose A Business Bank Account Choosing a business bank account is a key move that affects everything from how smoothly your payments run to how well you manage your cash flow. Whether you’re just getting started as a sole ... Read more - [Cookie Policy](https://www.knowyourbusiness.co.uk/cookie-policy/) - [Privacy Policy](https://www.knowyourbusiness.co.uk/privacy-policy/): Privacy Policy Effective date: May 2026 1. Introduction This Privacy Policy explains how Engage Media Ltd (“we”, “our”, “us”) collects, uses and protects your personal information when you visit our website https://www.knowyourbusiness.co.uk (the “Service”), our related apps and social media content. Engage Media Ltd is the data controller responsible for your personal information.Registered address: Unit 10 Aylsham Business Park, Richard Oakes Road, Aylsham, Norwich, Norfolk, NR11 6FD, United Kingdom. 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