The Spring Budget 2025: Everything You Should Know for Your Small Business
In the much-anticipated Spring Budget update, Rachel Reeves delivered a message of stability, growth and rebuilding. We have outlined how this may affect small and medium businesses in the UK. Economic Stability The Office for Budget Responsibility (OBR) has downgraded their predictions for UK economic growth in 2025 from 2% to 1%. In addition to […]
Business Loan Interest Rates: What Factors Determine the Rate?
When securing a business loan, one of the most important factors to consider is the interest rate. It directly impacts your repayment costs and the overall affordability of the loan. Lenders assess financial health, industry risks, and economic trends to set rates. Therefore, understanding these factors can help you secure better financing terms. Bank of […]
How Rising Material Costs Are Impacting the Construction Industry in 2025- How to Stay Ahead
The construction industry has been facing a sharp increase in material costs, driven by supply chain disruptions, inflation and global demand. Industry reports suggest that construction costs have risen by approximately 15-20% since 2020- largely due to rising costs of certain materials and the pandemic causing supply chain disruptions. For construction firms, this presents a […]
Cash Flow Management 101: Smart Financial Strategies for SMEs
For small and medium sized enterprises (SMEs), financial health is so important for success. Whilst profits are essential, cash flow management is crucial to regularly monitor and manage. Even profitable businesses can face issues if the bank balance is unsteady. What is Cash Flow, and Why is it Important to Manage? Cash flow refers to […]
5 Minutes With…Lauren Scotford
5 minutes with…’ is our interview series where we speak to employees at Moorgate and gain a deeper understanding of their roles and how they got to where they are today. Today we have Lauren Scotford, our Credit Placement Manager. How did you get to your current role? I have been immersed in the financial […]
Sustainable Construction: The Financial Benefits of Going Green in 2024
Sustainable construction is becoming essential as the industry faces growing pressure to adopt greener practices. With construction falling at one of the top users of natural resources and the increasing concern of finite natural resources and climate change, the government and some private sectors are pushing for the environmental impact to be reduced. What is […]
From Day One to the Growth Phases: How Loans Can Help Your Business to Excel at Every Stage
The Startup Phase Getting started as a new business can be difficult and characterised by high upfront costs for equipment, office spaces and inventory. This may mean you have an inconsistent income stream and limited revenue. How a business loan can help: The Growth Phase Once your business is operational and generating revenue, the focus […]
Asset Refinance 101: Ultimate Insider Info for Businesses
Asset refinance is a great solution to improve cash flow, by using the equity tied up in assets already on your balance sheet. It is best suited for businesses that have already invested in equipment and need to release some capital. What is Asset Refinance and how does it work? In overview, your lender will […]
Invoice Finance Explained- How to Improve Your Cash Flow 101
What is Invoice Finance? Invoice finance is a popular funding solution where businesses can access cash that is tied up in unpaid invoices, providing finance for cashflow or investment purposes- using an often-untapped asset on your balance sheet. Invoice Finance is a great way to unlock cash that’s stuck behind long invoice payment terms. How […]
5 Minutes with… Adam Olden
‘5 minutes with…’ is our interview series where we speak to employees at Moorgate and gain a deeper understanding of their roles and how they got to where they are today. Today we have Adam Olden, one of our Senior Account Managers. How did you get to your current role? After being in the Military […]