Comparisons
Straight comparisons of the choices most companies face when raising funding — what each route costs, how fast it moves, and when one clearly beats the other.
Banks are still the cheapest source of business debt for companies that fit their credit policy. Alternative lenders — challenger banks, independent financiers,…
Approaching a lender directly is free and, for a simple facility with your own bank, often perfectly sensible. Where an arranger earns its fee is in access, str…
Both solve the same symptom — money going out before it comes in — but they behave very differently as a business grows. An overdraft is a fixed limit set once …
When the money is buying a tangible, resaleable asset, asset finance is usually cheaper than a term loan because the lender's risk is lower — they hold title, o…
Equity is permanent capital that costs nothing until it costs everything — a share of the business forever. Debt is temporary capital with a defined price and a…
Invoice finance quotes are hard to compare because providers price on different bases. Two facilities with the same headline rate can differ by several percenta…