5 signs a business loan might not be the answer
By Century Business Finance on May 13, 2026
Not every business should take funding That might sound like a strange thing for a business finance broker to say, but it’s true. A lot of businesses right now are balancing tighter cashflow, rising costs and slower decision-making while still trying to keep momentum in the business. …
The Cost of Waiting vs the Cost of Borrowing for UK businesses
By Century Business Finance on May 11, 2026
The cost of waiting vs the cost of borrowing for businesses When businesses explore funding, most focus on one thing first: cost. What’s the interest rate? What are the repayments? How long is the term? And those are hugely important questions. However, there’s another side that often …
Can Builders Get Business Loans Without Strong Credit History?
By Century Business Finance on May 6, 2026
Can Builders With Lower Credit Profiles Obtain Business Loans? Short answer: yes, but not always from your high street bank and not always at the cheapest rate. For builders whose credit file shows missed payments, County Court Judgments (CCJs) or limited trading history, a growing ma …
How do construction business loans work?
By Century Business Finance on Apr 27, 2026
Construction business loans are short- to medium-term finance products designed for the unique cashflow rhythms of building firms, trade contractors and small developers. They are usually used for working capital, equipment purchasing and project-specific requirements. For time-presse …
Waiting for Rates to Drop? What We’re Seeing from Businesses Right Now
By Century Business Finance on Apr 20, 2026
Waiting for rates to drop? You might be waiting a while Something we’ve noticed recently is that more business owners are taking a step back and waiting to see what happens with rates. It makes sense on paper. If there’s a chance things improve, why not hold off and revisit it later? …
Business Loans for Women in the UK: What You Can Borrow & What It Costs
By Century Business Finance on Apr 16, 2026
Business Loans for Women: What’s Available and How It Works Women-led businesses are playing an increasingly important role in the UK economy, with millions of women now running and growing companies across every sector. As a result, business loans for women are becoming an increasing …
What Documents Do I Need For A Business Loan?
By Century Business Finance on Apr 15, 2026
What Documents Do I Need For A Business Loan? When you type "What documents do I need for a business loan?" you're not looking for theory, you need a checklist that gets cash into your account quickly. We've built a revised and practical guide for 2026 to help time‑poor UK SME owners …
Working Capital Explained
By Century Business Finance on Apr 14, 2026
Working Capital Explained Working Capital tells you whether your business can pay its bills today and seize the next opportunity tomorrow. For time-poor SME owners in the UK who need cash fast, to cover payroll, buy stock before a busy period, or stabilise a sudden cashflow dip, under …
Business Loan Interest Rates Explained
By Century Business Finance on Apr 13, 2026
Same-Day Business Loans Vs Traditional Business Loans What Business Loan Interest Rates Actually Mean And Why They Matter Interest rate is the headline figure lenders quote, usually an annual percentage, but for a busy SME owner the practical meaning is simple: it's the ongoing price …
Same-Day vs Traditional Business Loans
By Century Business Finance on Apr 9, 2026
Same-Day Business Loans Vs Traditional Business Loans Access to the right finance at the right time can decide whether a small or medium-sized enterprise (SME) seizes an opportunity or misses it. In 2026, we see two main paths for businesses: same-day business loans that promise near- …