SME Capital

On behalf of everyone at SME Capital, we wish you a Merry Christmas and all the best for a prosperous 2025!

As the dust settles on the #AutumnBudget, the implications have come into sharp focus as it is now clear that the measures disproportionately target businesses. The consequences of past business tax increases have seen effects such as reduced hiring, wage freezes, increased prices, and cuts to capital investment. So, are UK SMEs planning for similar outcomes and how are they adjusting to these new realities? We take a look: https://lnkd.in/eexF2WTv #sme #smes #smelending #smeloans #smefinance #smefunding #alternativelending #alternativeloans #businessloans #businessgrowth #debtcapital #octoberbudget #smecapital https://lnkd.in/eexF2WTv

In today’s modern #SME, a Finance Director or Chief Financial Officer can play a transformative role in helping business owners with their financial strategy, clarity and control. FDs can drive business growth, far beyond just managing the financial records and keeping the books. As a strategic leader and trusted advisor, they can help businesses secure the right funding to finance growth ambitions and add value to a company’s decision-making process. We take a look at why having an FD is so important to SMEs. #smes #smefinance #smelending #smefunding #smeloans #businessloans #alternativelender #alternativefinance #debtcapital #financedirector #fractionalfd #cfo #smecapital https://lnkd.in/ed7fBz37

The late summer offers many business owners an opportunity for strategic thinking and putting down plans for Q4 and into the new year. Kickstarting 2025 will come with its challenges, yet there is a recovery forecasted. As activity strengthens, the business investment forecast sees GDP growth expectations upgraded from 1.8% to 2%. So, businesses now have a choice. Stick to the slow burn 'wait and see' strategy relying on organic growth or look to secure capital investment to super charge growth plans in 2025. https://lnkd.in/ep9jZzn9 #sme #smes #smefinance #smeloans #smefunding #smelending #businessloans #alternativeloans #alternativelending #growth #smecapital

#CashFlow is the increase or decrease in the amount of money a business produces, via its core activities, and retains in a given time period, usually a month, quarter or year. For SMEs in the UK, improving cash flow is not only crucial for day-to-day management but also vital when applying for business loans. Understanding how to enhance cash flow effectively can significantly increase a business's likelihood of meeting lender requirements and securing necessary financing. In this blog we provide practical tips and strategies for SMEs to improve their cash flow and strengthen their loan applications. #cashflowlending #businessloans #sme #smes #smelending #smefinance #smefunding #smeloans #alternativelending #alternativefinance https://lnkd.in/dEvZUkp6

#AcquisitionFinance as a strategy can supercharge your business by providing you with an opportunity for accelerated growth compared to organic expansion, allowing you to complete acquisition growth within months and gain access to experienced employees, management teams, or industry experts. However, there are obstacles that should be avoided when it comes to putting in place the debt capital funding structure to support the acquisition. #sme #smes #smefinance #smelending #smefunding #alternativefinance #alternativeloans #alternativelending #businessloans #growthfinance #growth #acquisitions #debtfinance #smecapital https://lnkd.in/d6s-iYQa

As an #SME business owner, is this now the right time to look at your growth plans and start mapping out how to raise the funds you need to grow? We take a look in our latest insights piece: https://lnkd.in/dThexuC2 Whisper it quietly perhaps, but while interest rates hold firm at 5.25%, there is renewed optimism that future interest rate cuts, hopefully the first of many from The Bank of England, are just around the corner. Inflation figures are now in-line with the 2% Government target and there appears to be more positive chatter in the air that we are on the verge of a breakthrough for the economy. And with it, the opportunity to kick-start growth in a stagnated economy. #smes #smeloans #smelending #smegrowth #smefunding #alternativeloans #alternativefinance #growthfinance #growth https://lnkd.in/dThexuC2

Operating a business in uncertain times and getting the right funding to action your growth plans can be difficult. Current economic headwinds are slowing down growth and making it more difficult for businesses to thrive. The UK economy has seen flattened growth these past couple of years, dipping in and out of recession as a result of global inflation taking a grip and interest rates propelling upwards. For #SMEs these headwinds can be particularly challenging. We take a look at the current environment for SMEs, the challenge current economic headwinds are causing and if there are still growth opportunities in adverse economic times. #smes #smelending #smefinance #smefunding #smeloans #alternativelending #alternativefinance #growth #growthfinance #economicheadwinds #economy #ukbusiness #smecapital https://lnkd.in/ezP6knNB

The UK IT hardware and software market is at a pivotal moment having grown rapidly in recent years. Strong digitalisation demands from various industries including finance, healthcare and retail direct to consumer - together with a continued growth in the adoption of laptops and tablets for remote work and education - has provided a boom in the computing hardware and software sector. Add in the recent technological advancements in areas such as cloud computing and artificial intelligence (AI), and SMEs in this space have some fantastic growth opportunities with the right strategy in place. We take a look at how the sector is poised for more significant growth, and the multiple factors driving this.  #sme #smes #computing #IT #smelending #smeloans #smefunding #smefinance #alternativeloans #alternativelender #alternativefinance #growthfinance #growthcapital #acqusitionfinance #smecapital https://lnkd.in/e2ad9kSc

We are taught from an early age that debt is bad, and we should try to avoid being in debt at all costs. But when can debt be a good thing? Done right, taking on #debt can be a catalyst for growth, expansion, and value creation in business operations when used strategically. It can actually be a cheaper form of financing than equity. So, what are the advantages of debt finance for a business? Read here: https://lnkd.in/dQq3rfxa #debtcapital #debtfinancing #businessloans #sme #smes #smefinance #smelending #smefinance #smefunding #alternativefinance #alternativefunding #growthfinance #growth #smecapital https://lnkd.in/dQq3rfxa