SME Capital

For #InternationalWomensDay, we recognise the women reshaping fintech - driving innovation, expanding access to capital, and breaking down barriers in finance - including the team behind Navrisk - our automated risk assessment tool that can help lenders quickly evaluate loan applications, efficiently monitor portfolio loans and analyse business bank transaction data in real time. #iwd #iwd2025 #womeninbusiness #womenleaders #risk #fintech #portfoliomanagement #internationalwomensday2025 #sme #smes https://lnkd.in/ek86mj2X

While traditional bank loans may seem like the obvious choice for #SMEs seeking debt capital to fuel business growth, they are no longer the most viable option for many. For the business owner, they don’t have the time and know how to source and find appropriate finance from alternative lenders. This is where #financebrokers can play a vital role, bridging the gap between business owners and alternative lenders who can offer more flexible, tailored funding solutions. #smes #smelending #smefinance #smefunding #smeloans #smebusinessloans #alternativefinance #alternativelending #businessloans #brokers https://lnkd.in/e4t8UwkT

The British Chambers of Commerce (BCC) Quarterly Economic Survey has found that many businesses plan to raise prices in response to the tax hikes announced in the last Budget, with 63% of companies citing taxation as a significant concern, and 55% expecting to increase their prices as a result. Furthermore, a poll of 4,800 businesses, primarily small and medium-sized enterprises (SMEs), revealed that only 20% plan to increase investment. Chancellor Rachel Reeves recently stated that the UK economy is showing "encouraging signs" under the Labour government, and her ambition is to make Britain "the place in the world to invest." From what we see in the media, #UKbusinesses are measured in their praise for the government, particularly regarding impending tax increases. So, do business owners share the same confidence with business tax hikes and minimum wage increases just around the corner? And how can #SMES navigate rising costs while maintaining growth? https://lnkd.in/eKrX8ZsP #sme #alternativefinance #alternativefunding #smelending #smeloans #smefinance #smefunding #debtcapital #budget

On behalf of everyone at SME Capital, we wish you a Merry Christmas and all the best for a prosperous 2025!

As the dust settles on the #AutumnBudget, the implications have come into sharp focus as it is now clear that the measures disproportionately target businesses. The consequences of past business tax increases have seen effects such as reduced hiring, wage freezes, increased prices, and cuts to capital investment. So, are UK SMEs planning for similar outcomes and how are they adjusting to these new realities? We take a look: https://lnkd.in/eexF2WTv #sme #smes #smelending #smeloans #smefinance #smefunding #alternativelending #alternativeloans #businessloans #businessgrowth #debtcapital #octoberbudget #smecapital https://lnkd.in/eexF2WTv

In today’s modern #SME, a Finance Director or Chief Financial Officer can play a transformative role in helping business owners with their financial strategy, clarity and control. FDs can drive business growth, far beyond just managing the financial records and keeping the books. As a strategic leader and trusted advisor, they can help businesses secure the right funding to finance growth ambitions and add value to a company’s decision-making process. We take a look at why having an FD is so important to SMEs. #smes #smefinance #smelending #smefunding #smeloans #businessloans #alternativelender #alternativefinance #debtcapital #financedirector #fractionalfd #cfo #smecapital https://lnkd.in/ed7fBz37

The late summer offers many business owners an opportunity for strategic thinking and putting down plans for Q4 and into the new year. Kickstarting 2025 will come with its challenges, yet there is a recovery forecasted. As activity strengthens, the business investment forecast sees GDP growth expectations upgraded from 1.8% to 2%. So, businesses now have a choice. Stick to the slow burn 'wait and see' strategy relying on organic growth or look to secure capital investment to super charge growth plans in 2025. https://lnkd.in/ep9jZzn9 #sme #smes #smefinance #smeloans #smefunding #smelending #businessloans #alternativeloans #alternativelending #growth #smecapital

#CashFlow is the increase or decrease in the amount of money a business produces, via its core activities, and retains in a given time period, usually a month, quarter or year. For SMEs in the UK, improving cash flow is not only crucial for day-to-day management but also vital when applying for business loans. Understanding how to enhance cash flow effectively can significantly increase a business's likelihood of meeting lender requirements and securing necessary financing. In this blog we provide practical tips and strategies for SMEs to improve their cash flow and strengthen their loan applications. #cashflowlending #businessloans #sme #smes #smelending #smefinance #smefunding #smeloans #alternativelending #alternativefinance https://lnkd.in/dEvZUkp6

#AcquisitionFinance as a strategy can supercharge your business by providing you with an opportunity for accelerated growth compared to organic expansion, allowing you to complete acquisition growth within months and gain access to experienced employees, management teams, or industry experts. However, there are obstacles that should be avoided when it comes to putting in place the debt capital funding structure to support the acquisition. #sme #smes #smefinance #smelending #smefunding #alternativefinance #alternativeloans #alternativelending #businessloans #growthfinance #growth #acquisitions #debtfinance #smecapital https://lnkd.in/d6s-iYQa

As an #SME business owner, is this now the right time to look at your growth plans and start mapping out how to raise the funds you need to grow? We take a look in our latest insights piece: https://lnkd.in/dThexuC2 Whisper it quietly perhaps, but while interest rates hold firm at 5.25%, there is renewed optimism that future interest rate cuts, hopefully the first of many from The Bank of England, are just around the corner. Inflation figures are now in-line with the 2% Government target and there appears to be more positive chatter in the air that we are on the verge of a breakthrough for the economy. And with it, the opportunity to kick-start growth in a stagnated economy. #smes #smeloans #smelending #smegrowth #smefunding #alternativeloans #alternativefinance #growthfinance #growth https://lnkd.in/dThexuC2