bizbritain guides
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Every article we’ve published, newest first. Filter by topic or search for the question in front of you. Cited, dated, and quietly updated when policy or rates change.
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UK SME loan rates in 2026: the effective rate has drifted to 6.36%
The Bank of England has not moved Bank Rate since 30 July, but the average rate on new small business loans reached 6.36% in June. What that gap means, and how to sequence an application around it.
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UK retail sales July 2026: What the ONS numbers really mean for small retailers preparing for Q4
The headline says sales fell 0.5% in July. The three-month trend, the annual comparison and the historic level all say something else, and the difference matters if you are about to commit to Q4 stock.
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Why 66% of UK SMEs still don't apply for finance, and how to fix it in 10 minutes
These 5 myths are killing founder confidence. In this guide you will learn how to address them in 10 minutes.
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UK personal guarantee backed borrowing surged 63% in Q2 2026: where the money is actually coming from
What the surge in personally guaranteed borrowing means, what a guarantee actually commits you to, and six questions to ask before signing.
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Late payments 2026: how to turn unpaid invoices into working capital
What invoice finance actually is, what it costs on a £50,000 invoice, and when an overdraft beats it.
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