Business Finance
Business Overdraft vs Loan: Which is Right for Your Company?
Compare business overdrafts and term loans to find the best financing option for your UK company's cash flow needs.
Independent UK money guides
Compare UK
Compare UK
financial products.
Clear, no-nonsense guides to UK loans, business finance, banking, energy and savings — compare smarter and keep more of your quid.
Compare now
Find your best deal
Browse representative product types across our most popular categories. Click through to read our full guide before you apply.
TOP PICK
High Street Bank
Unsecured Business Loan
7.9% APR
Rate
Up to £250,000
Amount
1–10 years
Term
Representative (varies 6.5–18% based on credit)
- No personal guarantee under £25k
- Decision in 24 hours
- Early repayment allowed
- Fixed monthly repayments
Compare business loans
Guide & comparison only — not financial advice
BEST RATE
Government-Backed Scheme
Start-Up Loan
6.0% p.a.
Rate
Up to £25,000 per director
Amount
1–5 years
Term
Fixed rate for the life of the loan
- Free business mentoring included
- No arrangement fee
- Designed for new businesses
- Application support provided
See start-up loans
Guide & comparison only — not financial advice
Specialist Lender
Asset Finance
From 5.5% APR
Rate
Up to £500,000
Amount
2–7 years
Term
Secured against the asset being purchased
- Finance equipment & vehicles
- Preserve working capital
- Tax-efficient structure
- Flexible balloon payments
Explore asset finance
Guide & comparison only — not financial advice
TOP PICK
Online Lender
Personal Loan
6.9% APR
Rate
£1,000 – £50,000
Amount
1–7 years
Term
Representative (51% of applicants get this rate)
- Same-day funds transfer
- No early repayment charges
- Soft credit check first
- Fixed monthly payments
Compare personal loans
Guide & comparison only — not financial advice
BEST RATE
Building Society
Debt Consolidation Loan
5.4% APR
Rate
£7,500 – £25,000
Amount
2–5 years
Term
Representative — typically for amounts over £7,500
- Combine multiple debts
- One fixed monthly payment
- Reduce total interest paid
- Rate match guarantee
See consolidation loans
Guide & comparison only — not financial advice
Credit Union
Credit Union Loan
Up to 42.6% APR
Rate
£500 – £15,000
Amount
6 months – 5 years
Term
Capped by law; good option with limited credit history
- Ethical lender
- Member-owned, not-for-profit
- Builds your credit record
- Flexible repayment schedules
Find credit unions
Guide & comparison only — not financial advice
TOP PICK
Digital Bank
Easy-Access Savings
5.15% AER
Rate
Up to £500,000
Amount
No fixed term
Term
Variable rate, paid monthly, FSCS protected
- Withdraw anytime
- FSCS protected to £85,000
- Open in minutes via app
- Interest paid monthly
Compare easy-access accounts
Guide & comparison only — not financial advice
BEST RATE
Challenger Bank
1-Year Fixed Rate Bond
5.40% AER
Rate
£1,000 – £1,000,000
Amount
12 months fixed
Term
Fixed for 12 months; rate guaranteed for the term
- Guaranteed rate for full term
- FSCS protected
- Interest paid at maturity
- Open online in under 5 mins
See fixed-rate bonds
Guide & comparison only — not financial advice
High Street Bank
Cash ISA
4.75% AER
Rate
Up to £20,000/year
Amount
Flexible or fixed
Term
Tax-free interest; ISA allowance £20,000 per year
- All interest 100% tax-free
- Transfer from existing ISAs
- £20k annual allowance
- FSCS protected
Compare Cash ISAs
Guide & comparison only — not financial advice
How it works
Three simple steps to a smarter money decision.
Choose a category
Pick from business finance, loans, banking, energy, savings or insurance. We cover the products that matter most to UK households and businesses.
Compare your options
Read our plain-English guides. Compare rates, features and eligibility criteria side-by-side without wading through jargon or sales spin.
Click through to apply
Head directly to the provider armed with the knowledge to ask the right questions. Our guides are free, independent and updated regularly.
IndependentGuidance first, not sales
Plain EnglishNo jargon, no fine-print traps
UK-focusedRules and rates for Britain
Kept currentReviewed and updated regularly
What do you want to compare?
Pick a topic and dive into our latest guides.
Featured guides
Hand-picked reads to help you save and decide.
Savings
Lifetime ISA Explained: The 25% Bonus and How to Use It
The Lifetime ISA offers a 25% government bonus on savings for first-time buyers under 40. Here's how it works, the rules you need to know, and whether it's right for you.
Savings
Personal Pension vs Workplace Pension: What is the Difference?
Workplace pensions have employer contributions, while personal pensions give you more control. Here is how they compare and which is right for you.
Business Finance
UK Business Finance Options Compared: Which Is Right for You?
From bank loans to invoice finance and asset finance, there are many ways to fund your business. Here is how the main options compare and how to choose the right one.
Business Finance
Funding that fits how your business actually trades
Cash flow — not profit — is what trips up most healthy UK businesses. Our business finance guides cut through the options, from short-term bridges to borrowing without putting your personal assets on the line.
Explore business financeLatest guides
Fresh off the press — updated UK money guidance.
Loans & Credit
Guarantor Loans Explained: How They Work and the Risks
Guarantor loans involve a third party agreeing to repay your loan if you can't. Here's how they work, who can be a guarantor, and the serious implications for both borrower and guarantor.
Savings
Peer-to-Peer Lending Explained: Is It Worth the Risk?
Peer-to-peer (P2P) lending platforms let you lend money to individuals or businesses in return for interest. Here's how it works, the risks involved, and whether it's right for your savings.
Loans & Credit
Bridging Loans Explained: Short-Term Finance for Property
Bridging loans provide short-term finance for property purchases. Here's how they work, what they cost, and when they're the right choice over a traditional mortgage.
Business Finance
UK Business Tax Deductions: What You Can Claim
Understanding what business expenses are tax-deductible can save you money. Here's a comprehensive guide to allowable expenses for UK businesses.
Business Finance
Asset Finance Explained: Spreading Equipment Costs
Asset finance lets you spread the cost of equipment, vehicles, and machinery. Here's how hire purchase, leasing, and refinancing work, and which is right for your business.
Banking
How to Choose a Business Bank Account: UK Guide 2026
The right business bank account can save you time and money. Here's what to look for, from fees and features to digital tools and customer service.
Cross-checked against official UK sources
Stay in the loop
Make your next money decision the easy one.
Get our best guides delivered free. No spam — unsubscribe any time.
We never share your email. View our privacy policy.