Finance myths busted: Then vs now
20 years of changing money mindsets with NGI Finance Over the last 20 years, NGI Finance has seen the business finance world transform from how companies fund growth and manage…
We pride ourselves on having built a solid reputation for securing the best financing solutions available for our clients. We endeavour to support your business through every stage of the process to ensure that we achieve a successful outcome together. Our news page is a useful resource for all areas of business finance.
20 years of changing money mindsets with NGI Finance Over the last 20 years, NGI Finance has seen the business finance world transform from how companies fund growth and manage…
Celebrating 20 years of NGI Finance helping businesses thrive At NGI Finance, celebrating two decades in business isn’t just about turnover and transactions, it’s about entrepreneurs, growth journeys and building…
For businesses looking to acquire equipment, vehicles or technology, asset finance is a flexible way to access what you need without paying the full cost upfront. Two of the most…
Your modern financial guide – From 20 years of NGI Finance experience As NGI Finance celebrates 20 years of supporting businesses on their financial journeys, one thing has remained constant,…
Asset finance is one of the most flexible funding options available to businesses looking to acquire equipment, vehicles, machinery or technology they need without tying up valuable working capital. Whether…
February success story This month, we are pleased to share how NGI Finance supported a long-standing client in securing tailored funding to drive continued growth, invest in new machinery and…
When an application is made for business finance, it can sometimes feel like the application disappears into a black box. One business is approved quickly, while another is asked for…
Over the last 20 years, NGI Finance has built a strong and respected presence within the UK business finance market. From the early beginnings in 2006 to our position today,…
For many business owners, the world of finance can feel complex, especially when they are looking to grow, invest or improve cash flow. Whether the business is a start-up or…
January success story This month, we are pleased to share how NGI Finance supported a growing construction company through a particularly busy January period by arranging timely tax funding ahead…
In 2006, NGI Finance was founded with a clear purpose to make business finance easier to understand, more accessible and better aligned to the real needs of UK businesses. Twenty…
As SMEs look ahead to 2026, the financial landscape is set to evolve in ways that will influence borrowing, investment and day-to-day cash flow management. With economic conditions stabilising and…
As the year draws to a close, we are all looking forward to some well-deserved downtime to enjoy the festive season with family and friends. This time of year also…
As the financial year progresses, one of the most important responsibilities for UK company directors is staying ahead of corporation tax deadlines. Ensuring your company pays the right amount of…
As the year draws to a close, many SME owners turn their attention to reviewing financial performance and building a strategy for the year ahead. A structured year-end finance review…
If you lease vehicles, equipment, property or machinery, your 2026 accounts are going to look very different. New FRS 102 rules mean those operating leases you've kept off the balance…
As the end of the calendar year approaches, small and medium-sized enterprises (SMEs) face a crucial opportunity to review their finances, optimise their tax position and ensure compliance with regulatory…
December success story This month, we are delighted to share how NGI Finance supported a 30-year-old manufacturing business in securing long-term stability and future growth by purchasing their trading premises.…
With 2026 on the horizon, many businesses are starting to consider how upcoming tax changes could affect their financial position. From potential adjustments to corporation tax and capital allowances to…
For many growing businesses, access to flexible finance can mean the difference between maintaining momentum and missing out on an opportunity. A revolving credit facility (RCF) is one such funding…
As the financial year draws to a close, it’s essential for businesses to prepare for their corporation tax obligations. Staying ahead of deadlines not only ensures compliance but also helps…
In today’s fast-moving business world, it’s not enough just to know you need funding. It’s about understanding the right way to access it and that’s where the role of a…
Periods of economic uncertainty can challenge even the most resilient businesses. Fluctuating markets, rising costs and shifting customer demand can all place pressure on cash flow and planning. In these…
November success story This month, we are pleased to share how NGI Finance helped a long-standing industrial estate owner unlock capital to drive local business growth. We successfully secured an…
Scaling operations requires investment and for many businesses, equipment is at the heart of that growth. From machinery and vehicles to technology and specialised tools, having access to the right…
As the final quarter of the year approaches, many businesses experience increased financial pressure. Seasonal fluctuations in demand, rising costs and year-end expenses can all contribute to cash flow challenges.…
Expanding a business is an exciting milestone, whether it’s opening new locations, launching new products, investing in technology, or growing the team. But with every opportunity comes increased financial demand.…
A well-timed asset finance strategy can be the key to unlocking growth, maintaining cash flow and staying competitive, regardless of the sector. Asset finance allows businesses to acquire essential equipment,…
October success story This month, we are delighted to share how NGI Finance supported a long-established family business in securing funding to enhance and expand their residential care facilities. We…
A business credit score is one of the most important indicators of financial health and it plays a major role in determining access to funding. Whether it is applying for…
For many businesses, cash flow is the biggest challenge. They have done the work, sent the invoice, but are waiting 30, 60 or even 90 days to get paid. This…
Access to finance is a critical driver of business growth and for many UK SMEs, the Growth Guarantee Scheme (GGS) could be the key to unlocking their next stage of…
A well-planned funding strategy can play a major role in a company achieving its 2026 business goals. Whether the focus is growth, expansion, new product launches or simply improving cash…
September success story This month, we are delighted to share how NGI Finance delivered a swift and effective funding solution to support the growth of a leading IT marketing company.…
A business credit score is a key gauge of financial health and it plays a huge role in determining future financing prospects. A credit agency will assess payment history, level…
The UK Spring Budget 2025 delivered a range of measures aimed at boosting SME growth, innovation and green investment. We have translated how the announcements can shape a business financing…
Choosing between asset finance and a traditional business loan is simple, it comes down to a business’s cash‑flow needs, collateral availability and desired flexibility. The following provides a bit more…
Growing sustainably takes more than ambition; it requires a well-structured finance strategy that supports scaling without strain. Let’s explore how to prepare a business for growth. Be crystal-clear on the…
August success story This month, we are delighted to share how NGI Finance delivered a fast, flexible funding solution to refinance a prestigious vineyard in Sussex. We enabled them to…
Scaling a business is one of the most exciting stages in the entrepreneurial journey, but it’s also one of the most resource intensive. Whether its launching into new markets, expanding…
Sustainability is no longer a buzzword but a strategic priority. From switching to low-emission vehicles and upgrading to energy-efficient systems, to investing in circular supply chains, more UK businesses are…
We are delighted to announce that our Managing Director, Chris Morris, has been invited to join the prestigious Guild of Business Finance Professionals. This is an exclusive group of just…
In a landscape where agility matters more than ever, businesses are increasingly looking beyond traditional term loans to fund growth, manage cash flow, or invest in assets. From short-term projects…
As we hit the halfway mark of 2025, the commercial vehicle market is undergoing a significant transformation. Businesses, especially those in construction, utilities, logistics, and hospitality are increasingly upgrading fleets…
July success story This month, we’re pleased to showcase how a strategic asset finance solution enabled a valued existing client, to invest in a high-specification vehicle, without compromising cash flow…
As of April 2025, HMRC has implemented significant changes to its late payment penalty regime, aiming to enhance compliance and ensure timely tax payments from UK businesses. Increased late payment…
Investing in new dental equipment or expanding a practice can significantly improve patient care and boost the business. But with high costs associated with state-of-the-art technology and practice upgrades, accessing…
Demand for high-quality childcare continues to grow, and for nursery owners, expansion can offer exciting opportunities. Whether the need is to open a new location, renovate existing space, or invest…
The summer season is a crucial time for many retailers. With increased footfall, seasonal promotions, and higher demand for goods and services, it’s also a time when cash flow can…
Expanding a franchise is an exciting milestone, but it often comes with a significant financial investment. Whether its launching additional locations, hiring staff, or upgrading equipment, having the right funding…
June success story This month, we’re pleased to highlight a series of working capital solutions delivered in a short period of time, supporting four valued clients in unlocking the funds…
Summer can be a crucial period for many leisure and hospitality businesses. From seaside cafes to boutique hotels, the warmer months offer a surge in demand, but they also bring…
When used strategically, business loans can be a powerful tool to improve working capital, support growth, and provide resilience during uncertain times. The key lies in choosing the right type…
Maintaining a steady cash flow is a common challenge faced by an SME, especially in industries where long payment terms are the norm. Invoice finance can help to solve this…
The start of a new financial year is the perfect time for a business to re-evaluate budgets, review investment strategies, and identify opportunities for better tax efficiency. One area that…
May success story This month, we are proud to share a significant refinancing success that has supported the continued growth of a respected vineyard in the heart of Sussex. Helping…
Asset finance is an essential funding solution for businesses looking to acquire necessary equipment, vehicles, or machinery without incurring significant upfront costs. Here are our top 10 benefits of asset…
For businesses looking to expand, business finance plays a crucial role in facilitating growth. Whether it's scaling operations, investing in new technology, or increasing market reach, the right financial support…
Business finance is a critical tool for companies seeking growth, stability, and expansion. Various industries in the UK rely on financing options such as asset finance, invoice financing, and business…
Asset finance can be a valuable tool for businesses looking to acquire essential equipment, vehicles, or machinery without having significant upfront cost. While asset finance can improve cash flow and…
April success story This month, we are proud to highlight a significant funding achievement that has empowered a local business to grow and enhance its offerings, contributing to the vibrant…
Investing in commercial property is a positive move for business owners looking to secure long-term stability, build equity, and reduce rental costs. Instead of leasing, owning business premises through a…
Securing a business loan is a big step, but how does a business really know if it is truly ready? Here are five key signs that indicate they are in…
When choosing business finance, one of the biggest decisions is whether to opt for a fixed-rate or variable-rate loan. Each option has its pros and cons, and the right choice…
Applying for business finance can be a very important step in ensuring the growth and sustainability of a business. However, there are often obstacles faced during this process due to…
March success story This month, we are delighted to showcase a significant funding achievement that has enabled a college to invest in new student accommodation, enhancing its facilities and attracting…
Unsecured loans have gained significant popularity among borrowers due to their accessibility and flexibility. Unlike secured loans, unsecured loans do not require collateral, making them an attractive option for individuals…
When businesses consider acquiring assets such as equipment or vehicles, typically there are two primary financing options available, these are leasing and hire purchase. Understanding the distinctions between these methods…
Interest rates are a pivotal component of the UK's economic framework, directly influencing the cost of borrowing for businesses. Understanding how these rates affect business loans is essential for companies…
Working capital is essential for an SME (small to medium-sized enterprise). It enables them to manage daily operations, invest in growth opportunities, and navigate financial challenges. Being able to effectively…
January success story This month, we are pleased to highlight a successful financing solution that enabled an existing client to complete the acquisition of another business, driving expansion and long-term…
Traditional business loans are a popular way to secure funding, but they’re not the only option available to a UK business. Whether the need is to manage cash flow, invest…
Managing tax payments can be challenging, especially as deadlines approach. We provide a personalised tax funding solution designed to ease the financial strain and help you maintain steady cash flow. …
For many businesses, acquiring equipment, vehicles, or new technology can be a significant financial challenge. Asset finance provides a practical solution, offering flexible funding options that allow businesses to access…
Cash flow is the lifeblood of any business. Even profitable companies can face financial challenges if cash flow isn’t managed effectively. In fact, poor cash flow is one of the…
Effective budgeting is an important factor for any business. However, it is easy to fall into common budgeting traps which can stifle growth. Understanding these mistakes and being able to…
Financial planning is the backbone of every successful business, regardless of its size or industry. Without a clear financial plan, businesses risk running out of cash, overspending, or missing opportunities…
As the year winds down, we’re gearing up for some well-deserved downtime to enjoy the festive season with family and friends. This time of year always encourages us to reflect…
The festive season is a time of celebration, joy, and of course spending! It often marks the most significant period for businesses across all sectors. For NGI Finance, as a…
For businesses looking to expand, diversify, or invest in property, commercial investment mortgages offer an effective way to finance property acquisitions. These mortgages are specifically designed for purchasing commercial properties,…
Being able to leverage business finance data is essential for companies who are looking to drive sustainable growth. Having accurate financial data will provide insights helping to streamline operations, identify…
November success story This month, we are pleased to highlight a successful financing solution that supported a limited company in acquiring a valuable agricultural asset for its operations. The need:…
The leisure industry is a diverse and dynamic sector that includes everything from hospitality and tourism to sports, recreation, and entertainment. Whether it's investing in a new complex, expanding to…
Managing tax can be a critical part of running a business but it can often be complex and overwhelming, especially for companies that face large tax bills or seasonal cash…
Completing a business financial review will involve an in-depth examination of a company’s financial standing, exploring areas such as income statements, balance sheets, cash flow and key performance indicators. Conducting…
Applying for business finance can bring broad benefits for a company looking to expand, invest in new initiatives or simply boost cash flow. However, simply making an application does not…
October success story This month, we are excited to share details of a successful financing solution for a local transportation operator, helping them expand their fleet with three new coaches.…
Merchant cash advance (MCA) is a type of financing that provides businesses with quick access to cash by advancing funds based on future sales, typically credit card sales. MCAs are…
Securing invoice finance can be a smart way for businesses to improve cash flow, especially when waiting for customer payments. Invoice financing allows businesses to borrow money against unpaid invoices,…
A credit score is a numerical representation of a business’s creditworthiness and is used by lenders to assess the likelihood of a borrower being able to repay a loan. The…
Creating a financial forecast for a growing business is an essential part of its strategic planning. It helps business owners anticipate future financial outcomes, manage cash flow, and make informed…
September success story: This month, we are pleased to highlight a successful financing solution for an agricultural company to help with harvesting. The need: Funding for equipment purchase Our client,…
With the festive season approaching rapidly, many businesses will face a challenge of managing cash flow whilst also meeting the increased demand in products and services. Christmas is a crucial…
For businesses that operate in the manufacturing, construction and agriculture industries it is essential that they have the right plant and machinery for day-to-day operations. The problem is that this…
Securing a loan for a small business can be an important step in expansion, meeting operational needs or simply stabilising cash flow. Often many business owners do not consider an…
There are several financial tools available which can assist a company with its budgeting. Providing access to capital, improving cash flow, managing costs and enabling good investment strategies are just…
August success story: This month, we are excited to share a success story about a third-generation family business that took a significant step forward with our support. The need: Expansion…
There are numerous excellent vehicle finance solutions available for business owners, directors, employees, and the self-employed. With a variety of options, a vehicle can be acquired for both personal and…
An agriculture business can leverage asset finance to acquire essential operating equipment and machinery without the need for significant upfront costs. By using this facility, businesses can better manage cash…
VAT lending is a type of business finance that allows a company to better manage its short-term cash flow. Essentially, it is a loan that covers the cost of a…
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