UK business finance by use case
The right UK SME finance route usually depends on what the money is for. These use-case pages map common funding needs — working capital, stock purchase, equipment, vehicles, marketing, unpaid invoices, property — to the finance types and lenders most likely to look at the case.
Business expense finance
Fund recurring business spend, subscriptions and travel without straining cashflow. Compare UK business credit cards and short-term revolving credit.
Read use caseCashflow gap finance
Short-term cashflow funding for UK SMEs. Compare merchant cash advance, invoice finance and revolving credit options before you apply.
Read use caseCommercial property purchase finance
How UK SMEs finance commercial property purchases. Compare commercial mortgage lenders, deposit requirements and owner-occupier vs investment criteria.
Read use caseEquipment finance
Asset finance options for buying machinery, kitchen kit, specialist equipment and IT. Compare hire purchase and lease against lender criteria.
Read use caseFinance against unpaid invoices
Unlock cash tied up in unpaid customer invoices. Compare UK invoice finance lenders, eligibility signals and selective vs whole-ledger options.
Read use caseFinance to cover payroll
UK SME finance options when the payroll bill outpaces incoming cash. Realistic short-term routes, PAYE timing, and when invoice finance fits.
Read use caseFinance to pay a tax bill
UK SME finance options to cover a VAT, PAYE or Corporation Tax bill. Which routes lenders accept, what they look at, and when to talk to HMRC instead.
Read use caseMarketing spend finance
Fund paid ads, campaign launches and growth marketing without draining working capital. Revenue-based finance, MCA and credit card routes compared.
Read use caseRefinance business debt
UK SME options to refinance or consolidate existing business debt. Term loan refinance, stacked MCA consolidation, when refinancing helps and when it doesn't.
Read use caseStock purchase finance
How to fund seasonal stock, wholesale orders and inventory for UK retail and ecommerce. Compare revenue-based finance, MCA and unsecured loans.
Read use caseUrgent bridging finance
Short-term property-backed finance for auction purchases, chain breaks and rapid refinances. Compare UK bridging lenders by criteria and speed.
Read use caseVehicle finance
How UK SMEs fund vans, trucks and fleet vehicles. Compare hire purchase, contract hire and finance lease options against lender eligibility signals.
Read use caseWorking capital finance
Compare UK working capital finance options for payroll, supplier payments and day-to-day running costs. Eligibility signals, lender fit, document checklist.
Read use case
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.