News

New data reveals working capital loans have almost doubled in two years — and for the first time in over a year, start-ups are borrowing more than established businesses

A milestone moment for our mission to protect SME directors

For many SME directors, securing business finance means signing a personal guarantee. Whether you're applying for a business loan, asset finance, or an overdraft facility, lenders often require directors to take personal responsibility for the borrowing.

Getting a 'no' from a lender can feel like the end of the road. But for most UK businesses, it's just a detour. With the right preparation, the right lender, and a few avoidable mistakes out of the way, approval rates improve dramatically. Here are ten practical steps to help you get there.

The growing pressure on SME cashflow.

Heather has taken fundraising to new heights—literally—after successfully completing a thrilling Wing Walk challenge on 12 May 2026, all in support of men’s mental health charity ANDYSMANCLUB.

Purbeck Insurance Services has welcomed the Government’s Small Business Protections Bill as an important step towards tackling the damaging impact of late payments on the UK’s small business community. Purbeck is the UK’s only provider of personal guarantee insurance to small and medium sized business owners and directors.

New data shows surge in directors using personal assets to fund their businesses. Construction firms and manufacturers lead the charge.

For many SME directors, signing a personal guarantee is a standard part of securing finance. Whether it’s for a loan, lease, or property agreement, lenders often require individuals to stand behind the business with their own personal assets.

Recent comments from Stuart Machin, the M&S CEO, suggesting that bosses shouldn’t really forget about work while on holiday have reignited a familiar debate: should leaders ever truly switch off?