The business finance landscape in the UK is changing rapidly — and if you're running a company in 2025, you’ve likely felt the shift already.
Where high street banks were once the go-to option for commercial lending, today’s business owners are finding the traditional route increasingly frustrating. Slow decisions, outdated criteria, and overly complex processes are leaving growing businesses stuck — waiting for answers when what they really need is action.
The Problem: Bank Lending Just Isn’t Keeping Up
At Fiskal, we’re seeing more and more clients come to us with the same issue:
-
"The bank took too long to get back to me."
-
"They asked for endless paperwork and still said no."
-
"I needed funding last week, not next month."
It’s not just anecdotal — data from across the industry shows a clear trend. Banks are lending less to SMEs, and decision times are stretching longer. For time-sensitive sectors like transport, construction, property, and wholesale, this delay can mean lost deals, missed opportunities, or serious cash flow strain.
The Shift: Alternative Finance Stepping In
In response, UK businesses are turning to alternative funding — and fast. We’re talking about options like:
-
Invoice finance to release tied-up cash from unpaid invoices
-
Asset-based lending to unlock the value of owned equipment or vehicles
-
Bridging loans to move quickly on time-critical property deals
-
Stock finance to prepare for seasonal demand without draining reserves
These aren’t second-best solutions. In many cases, they’re faster, more flexible, and more aligned with how real businesses actually operate.
Real-World Example: From Delayed Payment to Growth Opportunity
Take one of our recent clients — a transport broker using subcontractors to fulfil loads on the haulage exchange. Their cash was constantly tied up in unpaid invoices while subcontractors demanded upfront payment.
They came to Fiskal expecting a loan. Instead, we set them up with a tailored invoice finance facility, unlocking thousands of pounds each month and transforming their ability to scale. No more cashflow bottlenecks. No more losing work due to slow funding.
How Fiskal Helps
We’re not a lender — we’re a broker that works for you. That means:
-
We look at your business and your goals
-
We scan the entire market, not just a few options
-
We connect you with funders that move fast and understand your industry
-
We stay with you, not just until the deal is done — but as your needs evolve
Whether you’re after a straightforward business loan or a more bespoke funding mix, we’ll guide you to the right solution without the usual delays and complications.
Ready to Take the Next Step?
If you’re frustrated with traditional finance or just want to explore faster, smarter options, let’s talk.
📞 Call Nicole: 07946 074 268
📧 Email: nicole@fiskal.co.uk
Fiskal — Commercial finance that works in the real world.
Add comment
Comments